Emerald Empire Federal Credit Union

Springfield, OR

Rating Date

July 2025

Net Capital
Ratio

Leverage
Ratio

Return On
Assets

Total
Assets

Capital

Total
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Weiss Ratings	Emerald Empire Federal Credit Union Springfield, OR	Click to Compare	Click to Compare	Click to Compare
Rating	B
Asset Quality Index	10.00
Capitalization Index	10.00
Liquidity Index	4.10
Profitability Index	7.80
Stability Index	7.00

Company Info	Emerald Empire Federal Credit Union Springfield, OR	Click to Compare	Click to Compare	Click to Compare
NCUA Charter Number	2030
Phone Number	(541) 988-9059
Website	www.youreecu.org

Asset Quality	Emerald Empire Federal Credit Union Springfield, OR	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	-0.47%
5-Year Asset Growth	3.49%
5-Year Charge-Offs to Average Loans	0.01%
Charge-Offs to Average Loans	-0.27%
Non-Performing Assets to Assets	0.06%
Non-Performing Loans to Capital	1.81%
Non-Performing Loans to Loans	0.54%

Balance Sheet	Emerald Empire Federal Credit Union Springfield, OR	Click to Compare	Click to Compare	Click to Compare
Total Assets	27.51M
Total Deposits	21.56M

Capital and Reserves	Emerald Empire Federal Credit Union Springfield, OR	Click to Compare	Click to Compare	Click to Compare
Capital	5.70M
Leverage Ratio	20.80
Loan Loss Reserves to Loans	2.13%

Liquidity	Emerald Empire Federal Credit Union Springfield, OR	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	8.19%
Liquidity Ratio	28.45%

Profitability	Emerald Empire Federal Credit Union Springfield, OR	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	1.02%
Net Income	58.00K
Net Interest Spread	5.80%
Operating Profit to Average Assets	0.87%
Overhead Efficiency Ratio	80.42%
Return on Assets	0.83%
Return on Equity	4.09%