Emergency Responders Credit Union

Winston-Salem, NC

Rating Date

September 2025

Net Capital
Ratio

Leverage
Ratio

Return On
Assets

Total
Assets

Capital

Total
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Weiss Ratings	Emergency Responders Credit Union Winston-Salem, NC	Click to Compare	Click to Compare	Click to Compare
Rating	C
Asset Quality Index	4.70
Capitalization Index	8.00
Liquidity Index	3.10
Profitability Index	1.60
Stability Index	3.90

Company Info	Emergency Responders Credit Union Winston-Salem, NC	Click to Compare	Click to Compare	Click to Compare
NCUA Charter Number	5499
Phone Number	(336) 723-0619
Website	www.emrspcu.com

Asset Quality	Emergency Responders Credit Union Winston-Salem, NC	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	-5.91%
5-Year Asset Growth	4.06%
5-Year Charge-Offs to Average Loans	0.41%
Charge-Offs to Average Loans	1.01%
Non-Performing Assets to Assets	1.12%
Non-Performing Loans to Capital	10.67%
Non-Performing Loans to Loans	1.41%

Balance Sheet	Emergency Responders Credit Union Winston-Salem, NC	Click to Compare	Click to Compare	Click to Compare
Total Assets	29.02M
Total Deposits	25.92M

Capital and Reserves	Emergency Responders Credit Union Winston-Salem, NC	Click to Compare	Click to Compare	Click to Compare
Capital	2.95M
Leverage Ratio	10.18
Loan Loss Reserves to Loans	0.43%

Liquidity	Emergency Responders Credit Union Winston-Salem, NC	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	12.52%
Liquidity Ratio	19.32%

Profitability	Emergency Responders Credit Union Winston-Salem, NC	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	0.37%
Net Income	-279.00K
Net Interest Spread	5.53%
Operating Profit to Average Assets	-0.61%
Overhead Efficiency Ratio	111.11%
Return on Assets	-1.89%
Return on Equity	-17.68%