D
Emerald Credit Association Federal Credit Union
Rating Date
May 2024
Net Capital
Ratio
8.81
Leverage
Ratio
8.81
Return On
Assets
0.76%
Total
Assets
8.94M
Capital
788.00K
Total
Deposits
8.09M
Net
Income
52.00K
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Weiss Ratings Emerald Credit Association Federal Credit Union
Greenwood, SC 		Click to
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Rating D
Asset Quality Index 7.40
Capitalization Index 6.40
Liquidity Index 3.30
Profitability Index 5.00
Stability Index 2.30
Company Info Emerald Credit Association Federal Credit Union
Greenwood, SC 		Click to
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NCUA Charter Number 3363
Phone Number (864) 223-9135
Website www.EMERALDCU.COM
Asset Quality Emerald Credit Association Federal Credit Union
Greenwood, SC 		Click to
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1-Year Asset Growth -2.79%
5-Year Asset Growth 5.62%
5-Year Charge-Offs to Average Loans 0.05%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.18%
Non-Performing Loans to Capital 1.93%
Non-Performing Loans to Loans 0.22%
Balance Sheet Emerald Credit Association Federal Credit Union
Greenwood, SC 		Click to
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Total Assets 8.94M
Total Deposits 8.09M
Capital and Reserves Emerald Credit Association Federal Credit Union
Greenwood, SC 		Click to
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Capital 788.00K
Leverage Ratio 8.81
Loan Loss Reserves to Loans 0.57%
Liquidity Emerald Credit Association Federal Credit Union
Greenwood, SC 		Click to
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Hot Money Ratio 0.00%
Liquidity Ratio 19.19%
Profitability Emerald Credit Association Federal Credit Union
Greenwood, SC 		Click to
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5-Year Return on Average Assets 0.30%
Net Income 52.00K
Net Interest Spread 6.18%
Operating Profit to Average Assets 0.75%
Overhead Efficiency Ratio 86.38%
Return on Assets 0.76%
Return on Equity 9.12%