E M O T Federal Credit Union Abilene, Texas
E M O T Federal Credit Union is a federal credit union headquartered in Abilene, TX, established in 1954 (NCUA charter 9457), and it is regulated and insured by the NCUA. At Q2 2026 it reported 471 members and total assets of $9.2M (up 0.5% from Q2 2025), the 309th largest of 377 credit unions headquartered in Texas. Its net worth ratio was 39.67% at Q2 2026, in the well capitalized band.
Also written as EMOT FCU
BankRegReports is independent of E M O T Federal Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 9457
- Headquarters
- Abilene, TX
- Established
- 1954
- Total assets, Q2 2026
- $9.2M
- Assets vs Q2 2025
- +0.5%
- Members, Q2 2026
- 471
- Net worth ratio, Q2 2026
- 39.67%
- Latest call report
- Q2 2026, NCUA 5300 · E M O T Federal Credit Union call report
- Asset rank in state
- 309th of 377 in Texas
- Routing number
- 311376575
- Branches
- 1
It has 6 more members than on June 30, 2025 (+1.3%). Its net worth ratio was up 0.89 percentage points from 38.78% on June 30, 2025. Used vehicle loans are its largest loan category, $1.8M of $2.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.72% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 39.67% net worth ratio is above that band's 14.31% median.
Frequently asked about E M O T Federal Credit Union
How big is E M O T Federal Credit Union?
At Q2 2026 it reported total assets of $9.2M and 471 members.
Where is E M O T Federal Credit Union headquartered?
It is headquartered in Abilene, TX, United States.
When was E M O T Federal Credit Union founded?
It was established in 1954, per NCUA records.
Is E M O T Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 9457): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates E M O T Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is E M O T Federal Credit Union well capitalized?
Its net worth ratio was 39.67% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is E M O T Federal Credit Union's delinquency ratio?
Its delinquency ratio was 1.72% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is E M O T Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 50.93% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Abilene, TX 79601
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1954
- NCUA Charter #
- 9457
- RSSD ID
- 72687
- Members
- 471
- Potential members
- 1,800
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 2 of 7 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 39.67% | 14.31% | over 90th top |
| Return on assets Middle half of peers: 0.16% to 1.30% | 1.05% | 0.72% | 64th above |
| Return on equity Middle half of peers: 1.04% to 8.69% | 2.65% | 4.74% | 36th below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.29% | 3.93% | 24th bottom |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 54.67% | 79.83% | over 90th top |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.62% | 0.78% | 13th bottom |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 1.72% | 0.86% | 30th below |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.91% | 4.70% | 59th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 50.93% | 58.92% | 38th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$9.2M total assets against $9.2M; $5.5M total shares and deposits against $5.6M; $2.8M total loans against $2.7M.
$3.7M net worth against $3.6M.
39.67% net worth ratio against 38.78%.
50.93% loan-to-share ratio against 47.55%.
1.72% delinquency ratio against 1.34%.
1.05% return on assets against 1.18%; 2.65% return on equity against 3.04%.
3.29% net interest margin against 3.39%.
471 members against 465.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 39.67% | 1.05% | 1.72% | 50.93% |
| March 31, 2026 | 39.34% | 1.04% | 1.90% | 51.21% |
| December 31, 2025 | 39.37% | 1.06% | 1.67% | 50.09% |
| September 30, 2025 | 39.51% | 1.14% | 1.90% | 52.43% |
| June 30, 2025 | 38.78% | 1.18% | 1.34% | 47.55% |
| March 31, 2025 | 38.63% | 1.39% | 1.07% | 46.60% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.