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Embark Credit Union Share
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Overview Share
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Embark Credit Union is a federal credit union based in Great Falls, Montana. It has been opened since 1936, for 86 years.

With around $104,770,000 in assets, Embark Credit Union is considered to be a large credit union. It has 2 branches and 1 ATM locations.

About Share
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Address Po Box 2649
Great Falls, Montana 59403
Website http://www.embarkcu.com
Phone (406) 727-7300
Fax (406) 727-7323
CEO Debra Evans
President of the Board Alan Johnson
Services Offered
Score Card Share
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86 years
Years in business
Opened in 1936
Well Capitalized
Net worth classification
Source: NCUA
9,744 members
Membership type: Community credit union
Above average number of members
291:1
Credit union member to staff ratio
291 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
$104,767,452
Total assets
Above average
2 branches
Compared with an average of 4 nationally and 2 in Montana
Above average number of branches
0.05%
Savings interest rate
Compared to 0.3% nationally
11.90%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches Share
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2 branches
Compared with an average of 4 nationally and 2 in Montana
Above average number of branches
Embark Credit Union Branch Locations

Embark Credit Union: 10th Avenue Branch
1915 10th Avenue S.
Great Falls, Montana 59405
No ATM
Embark Credit Union: River Drive North
1500 River Drive North
Great Falls, Montana 59401
ATM Available
Members Share
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9,744 members
Membership type: Community credit union
Above average number of members

With 9,744 members, the Embark Credit Union is considered to be a large credit union. It is larger than 70% of credit unions.

Fees Share
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$105
Average fee per member
The average fee per member at the Embark Credit Union is $105, which is very high compared to most credit unions. This rate is higher than 86% of all credit unions.
Fees are higher than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Embark Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff Share
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291:1
Credit union member to staff ratio
291 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
34 staff members
FTE (full-time equivalent)
9% of employees are part-time
32 full-time, 3 part-time

Embark Credit Union has 32 full-time staff members and 3 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 91% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Embark Credit Union has around 291 members per staff, a low ratio compared to other credit unions. This is a well staffed credit union.

Assets Share
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$104,767,452
Total assets
Above average
Net worth Share
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
11.6%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases Share
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$9,325
Average loan and lease size
Loan & lease sizes are average sized. They are bigger than at 43% of credit unions.

Embark Credit Union holds a total of $63,820,000 in loans and leases, which is about $9,325 per member on average.

Savings interest rate Share
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0.05%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Embark Credit Union pays 0.05%.

Loan rates Share
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11.90%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
10.00%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
10.00%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates Share
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2.74%
New car loan rate
Compared to 4.0% nationally
3.24%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates Share
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5.50%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
4.75%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally

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All of Asset Brief

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