CU Explorer
Credit unions · Texas · Q2 2026

EMOT FCU

Credit union in Abilene, TX · NCUA charter #9457 · Federal charter

Legal name: EMOT

Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.

Total assets$9.2M
Total loans & leases$2.8M
Total shares & deposits$5.5M
Members471
Net worth$3.7M
Net worth / assets39.67%
Loans / assets30.44%
Return on assets (annualized)1.05%
Loan growth (YoY)6.04%
Member growth (YoY)1.29%
Delinquency, all loans (60+ days)1.72%
CharterFederal charter
Asset band< $50M
NCUA peer group$2M–$10M
Sponsor typeService (finance, health, transport, utilities)

AI readiness

No public evidence

Nothing public says the credit union uses AI.

No public evidence found as of 2026-09-22. Checked: announcements by AI vendors, news search. Absence of evidence is not evidence of absence; a credit union may use AI without saying so publicly.

The AI Score runs from one to five stars; one star, no public evidence, is never shown on a credit union. Scores and sources for every credit union: CU AI Ready Report.

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