D
Emerald Credit Association Federal Credit Union
Rating Date
May 2024
Net Capital
Ratio
8.15
Leverage
Ratio
8.15
Return On
Assets
0.57%
Total
Assets
9.19M
Capital
749.00K
Total
Deposits
8.36M
Net
Income
13.00K
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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 7.90
Capitalization Index 5.80
Liquidity Index 3.80
Profitability Index 4.30
Stability Index 1.70
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 -3.70%
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 0.00%
Non-Performing Loans to Capital 0.00%
Non-Performing Loans to Loans 0.00%
Balance Sheet Emerald Credit Association Federal Credit Union
Greenwood, SC 		Click to
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Total Assets 9.19M
Total Deposits 8.36M
Capital and Reserves Emerald Credit Association Federal Credit Union
Greenwood, SC 		Click to
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Capital 749.00K
Leverage Ratio 8.15
Loan Loss Reserves to Loans 0.50%
Liquidity Emerald Credit Association Federal Credit Union
Greenwood, SC 		Click to
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Hot Money Ratio 0.00%
Liquidity Ratio 24.60%
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 13.00K
Net Interest Spread 5.96%
Operating Profit to Average Assets 0.53%
Overhead Efficiency Ratio 90.58%
Return on Assets 0.57%
Return on Equity 7.00%