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1500 River Drive N
Great Falls, MT 59401

Embark Credit Union is headquartered in GREAT FALLS and is the 14st largest credit union in the state of Montana. It is also the 1,618st largest credit union in the nation. It was established in 1936 and as of December of 2013, it had grown to 27 employees and 9,879 members. Embark Credit Union has a A health rating.

Field of Membership Restrictions

We are a community credit union and we serve five counties in Montana. So, membership at Embark Credit Union applies to: -- Those who live, work, worship, attend school or own a business in Cascade, Chouteau, Teton, Pondera or Judith Basin County. -- Those who have an immediate family member* who is already a member of Embark Credit Union or is eligible to be a member. - See Details

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Data for Q4 2013

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Embark Credit Union has a relatively low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Embark Credit Union had $219,000 in non-current loans and owned real-estate with $10.73 million in equity and loan loss allowances on hand to cover it. This gives Embark Credit Union a Texas Ratio of 2.04% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Embark Credit Union experienced no significant changes from 1.51% as of December 31, 2012 to 2.04% as of December 31, 2013, resulting in a negative change of 34.99%. This indicates that the balance sheet and financial strength for Embark Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Embark Credit Union has increased its total deposits by $979,000, resulting in 1.3% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Embark Credit Union has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Embark Credit Union has $87.37 million in assets with $10.73 million in equity, resulting in a capitalization level of 12.28%, which is excellent.

Institution Statistics

NCUA #1104
Year Chartered1936
Primary Regulator
Assets and Liabilities
Assets$87.37 million
Loans$49.96 million
Deposits$76.26 million
Equity Capital$10.54 million
Loan Loss Allowance$190,000
Unbacked Noncurrent Loans$219,000
Real Estate Owned$0
Historic Data - December 2012
Assets$86.27 million
Equity Capital$10.36 million
Loan Loss Allowance$84,000
Unbacked Noncurrent Loans$219,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin4.23%
Return on Assets0.22%
Return on Equity1.82%
Interest Income$2.72 million
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Embark Credit Union Savings Account Rates

0.50%--Self-Administered MSA
0.40%--IRA Savings Account
0.40%--Roth IRA Savings Account
0.40%--Coverdell Education IRA Savings Account
0.30%--Holiday Savings Account
0.05%--Regular Savings Account
0.05%--Special Savings Account

Embark Credit Union Money Market Rates

0.20%$50k-Money Market Fund Account

Embark Credit Union CD Rates

1.30%$1k-60 Month Share Certificate
1.10%$1k-48 Month Share Certificate
0.85%$1k-36 Month Share Certificate
0.65%$1k-30 Month Share Certificate
0.50%$1k-24 Month Share Certificate
0.45%$1k-18 Month Share Certificate
0.25%$1k-12 Month Share Certificate
0.20%$1k-6 Month Share Certificate
0.15%$500-3 Month Share Certificate

Embark Credit Union IRA Rates

1.35%$1k-60 Month IRA Share Certificate
1.15%$1k-48 Month IRA Share Certificate
0.95%$1k-36 Month IRA Share Certificate
0.75%$1k-30 Month IRA Share Certificate (Traditional,CESA,Roth)
0.75%$1k-30 Month IRA Share Certificate
0.60%$1k-24 Month IRA Share Certificate
0.55%$1k-18 Month IRA Share Certificate (Traditional,CESA,Roth)
0.55%$1k-18 Month IRA Share Certificate
0.30%$1k-12 Month IRA Share Certificate
0.20%$1k-6 Month IRA Share Certificate
0.15%$500-3 Month IRA Share Certificate

Embark Credit Union Locations
Branch Office2815 10th Ave SGreat Falls, MT 59405-3266
Branch Office1500 River Dr NGreat Falls, MT 59401-1325