Emery Federal Credit Union

Weiss Ratings	Emery Federal Credit Union Cincinnati, OH	Click to Compare	Click to Compare	Click to Compare
Rating	B
Asset Quality Index	10.00
Capitalization Index	6.70
Liquidity Index	2.20
Profitability Index	1.80
Stability Index	6.40

Company Info	Emery Federal Credit Union Cincinnati, OH	Click to Compare	Click to Compare	Click to Compare
NCUA Charter Number	1034
Phone Number	(513) 530-9351
Website	www.emeryfcu.org

Asset Quality	Emery Federal Credit Union Cincinnati, OH	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	-1.38%
5-Year Asset Growth	5.64%
5-Year Charge-Offs to Average Loans	0.17%
Charge-Offs to Average Loans	0.25%
Non-Performing Assets to Assets	0.17%
Non-Performing Loans to Capital	1.76%
Non-Performing Loans to Loans	0.21%

Balance Sheet	Emery Federal Credit Union Cincinnati, OH	Click to Compare	Click to Compare	Click to Compare
Total Assets	192.69M
Total Deposits	164.35M

Capital and Reserves	Emery Federal Credit Union Cincinnati, OH	Click to Compare	Click to Compare	Click to Compare
Capital	17.70M
Leverage Ratio	9.59
Loan Loss Reserves to Loans	0.44%

Liquidity	Emery Federal Credit Union Cincinnati, OH	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	14.41%
Liquidity Ratio	10.32%

Profitability	Emery Federal Credit Union Cincinnati, OH	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	0.83%
Net Income	735.00K
Net Interest Spread	3.04%
Operating Profit to Average Assets	0.58%
Overhead Efficiency Ratio	84.52%
Return on Assets	0.38%
Return on Equity	4.26%