Unverified listing What this means
The Lender Report built this page from public records. EM Credit Union has not reviewed it. Every lender's page starts this way, and it says nothing about EM Credit Union itself. Each figure shows its source and date. Work at EM Credit Union? You can claim this page for free.
Credit union, Mesa, AZ
EM Credit Union
EM Credit Union, a $11.7M credit union in Mesa, AZ, reported no business loans as of June 30, 2026.
- Kind
- Credit union
- Data as of
- June 30, 2026
- Page last changed
- November 11, 2026
- Business loans on its books
- None reported
- NCUA 5300,
- Holds, not loans made
- Total assets
- $11.7M
- NCUA 5300,
- All loans held, any kind
- $6.94M
- NCUA 5300,
- Not only business loans
- Offices
- 2
- NCUA 5300,
- In 1 state
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- 480-633-4435 From the NCUA record, June 30, 2026.
- Website
- www.emfederalcreditunion.orgFrom the NCUA record, November 9, 2026.
- Names it files under
- EMNCUA 5300,
- Address
- 50 W Iron Ave, Mesa, AZ 85210-6103NCUA 5300,
- Regulator record
- NCUA profile
You generally must be a member of a credit union to borrow from it. Field of membership: Manufacturing - all other .
Recently done
Balances only
Balances only. No public file shows individual loans this lender made, and its book has not moved in a way worth a line.
No public record of recent loans. That can mean no such loans or no duty to report.
Looking for a lender with commercial loans on record?
Where it lends
Offices beside loans on record
| State | Offices |
|---|---|
| Arizona HQ | 2 |
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | How it is worked out | Source |
|---|---|---|---|
| Business loan cap | $1.43M | Estimate: the lesser of 1.75 times net worth or 12.25% of assets. Low-income designated credit unions and some others are exempt. Not a statement from the credit union. | NCUA 5300, 12 CFR 723.8, Jun 30, 2026 |
| Largest single borrower | $274K | Estimate: the greater of 15% of net worth or $100,000. Not a limit the credit union has stated. | NCUA 5300, 12 CFR 723.4, Jun 30, 2026 |
| Loans to assets | 59.4% | Total loans divided by total assets. | NCUA 5300, |
Peer ranges need three or more similar lenders that report the measure. There are too few here, so none is shown.
Measures that are zero only because this lender reports no business loans are left out.
Estimates use the formulas in 12 CFR 723. Low-income designated credit unions and some others are exempt from the cap.
What we don't know
- Whether it is taking new loans today, or on what terms.
- Who can join. A credit union lends only to its members, and field of membership decides who qualifies.
- Whether it made any commercial real estate loans in the first half of 2026. It reported none, and the 5300 covers only what it files.
- Whether it makes multifamily loans. No HMDA multifamily loans are on file under this name for 2024 or 2025.
- Whether it makes SBA loans. No SBA loans are on file under this name for the 36 months to September 30, 2026.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
- Credit union concentration ratios here are our own calculation against net worth. They are not a regulatory test or limit. Originations are Jan-Jun 2026 year to date.
Check this page
Against the regulator's own record
- Name and charter. EM Credit Union, NCUA charter 7715. Compare it with the regulator's record. [NCUA profile]
- Balances. $11.7M in total assets and no commercial loans held, from the NCUA 5300 for June 30, 2026.
- Loans made. Your NCUA Form 5300 for June 30, 2026 reports no commercial loans made. If that is wrong, report it with evidence.
- Phone and website. Phone 480-633-4435, from the NCUA record. Website emfederalcreditunion.org, from the NCUA record. [How to reach them]
Something wrong? Report it with evidence. It is free, and it works the same for every lender whether it pays or not. Report an error
For the record
Data as of June 30, 2026. Page last changed November 11, 2026.
- Regulator
- National Credit Union Administration
- NCUA charter
- 7715
- RSSD
- 127680
- The Lender Report ID
- lr_007734
- Main office county
- Maricopa
- Members
- 2,192
- NCUA region
- 3 - Western
NCUA credit union details,
- Reported $11.7M in total assets as of June 30, 2026 (NCUA 5300).
- Listed 2 offices in 1 state (NCUA).
Cite this
Source: The Lender Report, EM Credit Union, https://lender.report/lender/em-credit-union-az/, data as of June 30, 2026.
Sources
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Work at EM Credit Union? Claim this page, free.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem