Credit union · NCUA insured
Embers Credit Union
A $612.9M credit union headquartered in Marquette, MI, with 33,170 members and 7 branches in Michigan. Best rates: CDs 4.15% and savings 0.50% APY.
Embers Credit Union Carrot Score
83
Carrot Score
Higher than 62% of U.S. banks and credit unions
#2 of 8 in Marquette, MI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Embers Credit Union
- Headquarters
- 601 S McClellan Ave, Marquette, MI 49855
- NCUA charter
- 62038
Branches
7 branches in Michigan
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Michigan
7 branches
Marquette area · 4
- Gwinn Branch9 W State Highway M35, Gwinn, MI 49841Directions
- Main Branch1001 W Baraga Ave, Marquette, MI 49855Directions
- South Branch1600 S Front St, Marquette, MI 49855Directions
- Negaunee Branch487 US Highway 41, Negaunee, MI 49866Directions
Escanaba area · 2
- Escanaba Branch2600 1st Ave S, Escanaba, MI 49829Directions
- Wells Branch5664 Main St, Wells, MI 49894Directions
Munising area · 1
- Munising Branch200 E State Highway m28, Munising, MI 49862Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.07% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.64% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.09% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $75 | $76 | — |
- CapitalNet worth ratio12.07%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.64%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.09%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$75Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Embers Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.