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Overview / Commentary
50 W Iron Ave
Mesa, AZ 85210-6103

Em Federal Credit Union is headquartered in Mesa and is the 38th largest credit union in the state of Arizona. It is also the 4,410th largest credit union in the nation. It was established in 1952 and as of December of 2017, it had grown to 2 employees and 1,555 members at 1 location. Em Federal Credit Union has a C+ health rating.

Field of Membership Restrictions

Anyone who is an employee of Empire Machinery, Empire Southwest and its direct subsidiaries may join E M Federal Credit Union. Once the employee is a member, the immediate family members are eligible for membership as well.
See current membership details


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Em Federal Credit Union has a very low asset base.

Health Grade Components

NCUA #7715
Year Chartered1952
Primary Regulator
Profit Margin
Return on Assets - YTD0.01%
Return on Equity - YTD0.07%
Annual Interest Income$234.00K
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$7.5MM$7.9MM
LoansQ4 2017vs Q4 2016$3.3MM$3.1MM
DepositsQ4 2017vs Q4 2016$6.0MM$6.4MM
Equity CapitalQ4 2017vs Q4 2016$1.5MM$1.5MM
Loan Loss AllowanceQ4 2017vs Q4 2016$25.00K$25.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$32.00K$40.00K
Real Estate OwnedQ4 2017vs Q4 2016$0$0

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Em Federal Credit Union Locations
Branch Office50 W Iron AveMesa, AZ 85210-6103