Em
Em is a credit union based in Mesa, Arizona, established in 1952, with $12 million in total assets serving 2,174 members. By Trust Grade it ranks 9th of 33 credit unions we track in Arizona. Its net worth ratio of 15.7% is stronger than 59% of similarly sized credit unions, versus a Arizona median of 10.8%. It was profitable over the most recent period, with a 0.57% return on assets. No consumer complaints against Em appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Em compares to Arizona peers
How we graded Em
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (15.7% capital ratio)
- Profitable (ROA 0.57%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Em over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Em insured?
Yes. Em is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Em: frequently asked questions
Is Em a good credit union?
Em earns a Bankzia Trust Grade of A (95/100, "Excellent"), based on a financial-strength score of 95/100 (it has no CFPB complaints on record). Strongly capitalized (15.7% capital ratio); Profitable (ROA 0.57%).
Is Em NCUA-insured?
Yes. Em is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Em?
Em holds $12 million in total assets, ranking 9th of 33 credit unions we track in Arizona. It serves 2,174 members.
Does Em have CFPB complaints?
No CFPB complaints against Em appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
