Emerald Credit Association Federal Credit Union

Greenwood, SC

Rating Date

September 2025

Net Capital
Ratio

Leverage
Ratio

Return On
Assets

Total
Assets

Capital

Total
Deposits

Net
Income

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Weiss Ratings	Emerald Credit Association Federal Credit Union Greenwood, SC	Click to Compare	Click to Compare	Click to Compare
Rating	E
Asset Quality Index	6.70
Capitalization Index	6.20
Liquidity Index	3.00
Profitability Index	2.70
Stability Index	1.00

Company Info	Emerald Credit Association Federal Credit Union Greenwood, SC	Click to Compare	Click to Compare	Click to Compare
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 Compare	Click to Compare	Click to Compare
1-Year Asset Growth	6.01%
5-Year Asset Growth	4.51%
5-Year Charge-Offs to Average Loans	0.00%
Charge-Offs to Average Loans	0.15%
Non-Performing Assets to Assets	0.24%
Non-Performing Loans to Capital	2.63%
Non-Performing Loans to Loans	0.00%

Balance Sheet	Emerald Credit Association Federal Credit Union Greenwood, SC	Click to Compare	Click to Compare	Click to Compare
Total Assets	9.60M
Total Deposits	8.72M

Capital and Reserves	Emerald Credit Association Federal Credit Union Greenwood, SC	Click to Compare	Click to Compare	Click to Compare
Capital	823.00K
Leverage Ratio	8.57
Loan Loss Reserves to Loans	0.63%

Liquidity	Emerald Credit Association Federal Credit Union Greenwood, SC	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	0.00%
Liquidity Ratio	17.10%

Profitability	Emerald Credit Association Federal Credit Union Greenwood, SC	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	0.37%
Net Income	21.00K
Net Interest Spread	6.04%
Operating Profit to Average Assets	0.44%
Overhead Efficiency Ratio	90.51%
Return on Assets	0.44%
Return on Equity	5.17%