# EMBLEM
GADSDEN, AL · NCUA charter 67252 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/emblem-67252

Who the members are: state charter, organized 1959, low-income designated. 29,577 members of 784,931 potential (3.8% of the field); checking penetration 76% (share draft accounts per 100 members); loans per 100 members 63.

**Verdict on the desk:** this could be *quiet fade*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $619.2M |
| Members | 29,577 (-6.1% YoY) |
| Full-time staff | 103 |
| Net worth | $69.0M |
| Net worth ratio | 11.2% (p62 of band) |
| ROA (annualized) | 1.13% (p80 of band) |
| Total delinquency | 0.42% (p33 of band) |
| Net charge-offs (annualized) | 0.23% (p26 of band) |
| Loans / shares | 85% (p63 of band) |
| Cash / assets | 11.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.33% (p41 of band) |
| Operating expense / assets | 3.30% (p35 of band) |
| Vehicles % of loans | 27% (p44 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p7 of band) |
| Vehicle delinquency | 0.70% (p61 of band) |
| Vehicle NCO | 0.52% (p30 of band) |
| Repossessed % of vehicle book | 0.02% (p42 of band) |
| Real estate % of loans | 44% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 140% |
| Core shares % of member funds | 51% |
| Certificates % of member funds | 37% |
| Average share balance | $8,723 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 63% |
| Loans granted per 100 members, annualized | 15% |
| Average loan balance | $25,201 |
| Loans granted, annualized | $159.9M |

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 2 | net worth falling, delinquency 2x band |  |
| 2016-12 | 1 |  | net worth falling |
| 2017-03 | 0 |  | delinquency 2x band |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | net worth falling |  |
| 2018-09 | 0 |  | net worth falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | net worth falling |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | net worth falling |
| 2020-03 | 0 |  |  |
| 2020-06 | 2 | net worth falling, margin squeeze |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 0 |  | net worth falling, margin squeeze |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | net worth falling |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 0 |  | net worth falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 1 | net worth falling |  |
| 2023-09 | 0 |  | net worth falling |
| 2023-12 | 1 | members leaving |  |
| 2024-03 | 2 | delinquency rising |  |
| 2024-06 | 1 |  | delinquency rising |
| 2024-09 | 2 | delinquency rising |  |
| 2024-12 | 1 |  | members leaving |
| 2025-03 | 1 |  |  |
| 2025-06 | 0 |  | delinquency rising |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | members leaving |  |
| 2026-03 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-20 [Victor Manuel Morales Obituary (2026) - Alexandria, AL - K.L. Brown Funeral Home and Crematory - Jacksonville - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxOd294eWozNUFFUDhoM0w5MUFNZ3M4V2V0RjZHUHRVcTJ6ck1na0paWHRMN0s3SjRmTTMxSFNoQWlQRWJJS0pkS04wWFZfWHZnTlI1T0FzcTM4T0NJbFA2ak5qdm5IcUtDWTlTTGt3SlEyWUZmeW91SkNFdnlLTFBqLWVVUQ?oc=5) · legacy.com
- 2026-01-06 [Tucker Marsh Obituary - Anniston, AL - Dignity Memorial](https://news.google.com/rss/articles/CBMiggFBVV95cUxQN19pZnhWNWpiTFdORlVlOS1CWi00R042dFN1bHU1V0ptcEhMbm5aODZiUGxKUV9ISkdoa0FGbndOT0RIa09oZ0xBSHlOdDhnR1hfc2ZPbEk2RTFEakVpZFdOSjVWWm1UanFOTEVJVnItcVBjYW5KYTNjaFRfREgxR3NR?oc=5) · Dignity Memorial
- 2025-01-07 [3 new million-dollar-plus building permits issued in North Alabama - Hville Blast](https://news.google.com/rss/articles/CBMifkFVX3lxTE1fU2ROZXVTc00tdHB3NmVIdGRZWjEzMGtTMk1zVzFHU3B3dHFTWW9QTDNhWkM3VHBONVd2dndCeUpkQXBQaUc5YlNDa2xEd0ItX2FycG8tNjBhQk1GZEM5aWR6THJUQlFORDZQZzNabHliWVQtdXYwMS1FVE1RZw?oc=5) · Hville Blast
- 2025-03-22 [The Cardinal Foundation Welcomes Four New Board Members - Calhoun Journal](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQLVkxcnBOTG5reEJOSnFJRmVnbkZTdlRDTzVDSHh0Q291ZmF4b19oUWhDTkJuVU1rcDJRQklsTmZKWjVFRFlrZmk5bVBrbkhCTXJnYXRsWmhEMzk4VnFRZEdqdVU5RzFMZTA5cXpkYnhZWTNHalVKM1ZZOHFCUmFvV1REOV9XUUktNy1Z?oc=5) · Calhoun Journal
- 2025-03-21 [New board members join the Cardinal Foundation - Gadsden State Community College](https://news.google.com/rss/articles/CBMiowFBVV95cUxOODkxdjF1bG5MTnJoSThyU2Y5VDllNkMya1NVTFlIV0t0c3EycWo0UnM1b1ZGSERNendJT3Z5SXNtcWxvOHcyeURDdDdzaHBMR2hlOEtWQmx1OHp1VHJxN3JWLTR2aDhSd3A0ck9sLUk3c2VYQmxUR0JjSlJTbWVMZ182LXh2aVFfLXpuekVjcG5mdlc1ZkljYnlhQzR5NnkzVW44?oc=5) · Gadsden State Community College
- 2023-11-08 [Fullerton’s 36th Annual Veterans Day at Hillcrest Park November 11 at 11 am - Fullerton Observer](https://news.google.com/rss/articles/CBMitwFBVV95cUxNWWR2SThXZjM1MmxaaHp0WDM4amxmQU84N1hOVUNfcGY0V3lQUVhlNDZjWDJKRHo0TkhBZ3VtUTBCOFhyNG9IMjZGYzhMZ19UZ3J2TVZIVXQ3N28zbzJaT2JRLW9pb2lwMkdUdlJxUDktWDduMkNnUVZZWkdSUVRqaGlraFlDcHBCSVNmZXpaVDZma3htNTBHcVZYZUJSY3pBUE8zQlFVU3hzeDVVeG42cUN2SWlNdFU?oc=5) · Fullerton Observer
- 2025-01-07 [New $5 million renovation underway at UAB School of Public Health - Bham Now](https://news.google.com/rss/articles/CBMif0FVX3lxTFB4NEpUMzd5MUNabDJydldNbmh1Qjk1ajZxbEFPNi1HWFIxeTRvcXdfS2p4dG15V01aQ0VVQTM4OXhLSEVKLWpfcktJb0E5N2F4X09ULXdHTTNPR2FUM1B6dnZKT0EwU0ZYRDdtalIycmkzUk5TdkNEVVEyOHRaU3M?oc=5) · Bham Now
- 2023-11-12 [Veteran’s Day at Hillcrest Park Fullerton 2023 - Fullerton Observer](https://news.google.com/rss/articles/CBMikAFBVV95cUxNMFdYcFd5TTNicTUzY2lmM1RhdTd2ck1hNGVVd28wTTc3TWZ5WXVURXgwUTNmYVJiQ05jVmltZVo1X2xNZ1JZdzBoZ1ZSdlZxMzh4VG5JVDRwYURRbzJuUEx5QTVNaWJZeF9GYkZqUE9YTmhpWVpNaGZaVVB2TmYzbnB0cnJSaG5Rb0pFV3dkUGU?oc=5) · Fullerton Observer

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67252 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/52.json (key "67252", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=67252
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide