Applications / Mortgage Analytics / Lenders / Alabama / Emblem Credit Union / Competition
Emblem Credit Union
Gadsden, AL · Credit union · NCUA · $597 million assets · 260 loans in 2025
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260
loans originated, 2025
457
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Who Emblem Credit Union competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — GADSDEN, AL, 2025
Emblem Credit Union ranks 5th of 190 lenders in Gadsden, AL, with $19.2M lent: 4.4% of a $438.6M market.
Gadsden, AL is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Emblem Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 44% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — NON-METRO ALABAMA, 2025
Emblem Credit Union ranks 103rd of 523 lenders in non-metro Alabama, with $9.0M lent: 0.2% of a $3.92B market.
non-metro Alabama is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Emblem Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 29% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — ANNISTON-OXFORD, AL, 2025
Emblem Credit Union ranks 17th of 203 lenders in Anniston-Oxford, AL, with $5.7M lent: 1.6% of a $361.8M market.
Anniston-Oxford, AL is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Emblem Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 46% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — DAPHNE-FAIRHOPE-FOLEY, AL, 2025
Emblem Credit Union ranks 159th of 485 lenders in Daphne-Fairhope-Foley, AL, with $2.7M lent: 0.1% of a $2.98B market.
Daphne-Fairhope-Foley, AL is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Emblem Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 32% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — BIRMINGHAM, AL, 2025
Emblem Credit Union ranks 269th of 523 lenders in Birmingham, AL, with $1.4M lent: 0.0% of a $7.02B market.
Birmingham, AL is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Emblem Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 33% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — ATLANTA-SANDY SPRINGS-ALPHARETTA, GA, 2025
Emblem Credit Union ranks 873rd of 892 lenders in Atlanta-Sandy Springs-Alpharetta, GA, with $125K lent: 0.0% of a $52.32B market.
Atlanta-Sandy Springs-Alpharetta, GA is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Emblem Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 30% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 7 — CRESTVIEW-FORT WALTON BEACH-DESTIN, FL, 2025
Emblem Credit Union ranks 422nd of 606 lenders in Crestview-Fort Walton Beach-Destin, FL, with $595K lent: 0.0% of a $4.40B market.
Crestview-Fort Walton Beach-Destin, FL is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Emblem Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 29% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 8 — MONTGOMERY, AL, 2025
Emblem Credit Union ranks 227th of 331 lenders in Montgomery, AL, with $360K lent: 0.0% of a $1.87B market.
Montgomery, AL is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Emblem Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 46% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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