D
Emerald Credit Association Federal Credit Union
Rating Date
July 2025
Net Capital
Ratio
8.30
Leverage
Ratio
8.30
Return On
Assets
0.47%
Total
Assets
9.80M
Capital
813.00K
Total
Deposits
8.93M
Net
Income
11.00K
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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 7.00
Capitalization Index 5.90
Liquidity Index 3.50
Profitability Index 4.10
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 6.65%
5-Year Asset Growth 4.51%
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans 0.31%
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 9.80M
Total Deposits 8.93M
Capital and Reserves Emerald Credit Association Federal Credit Union
Greenwood, SC 		Click to
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Capital 813.00K
Leverage Ratio 8.30
Loan Loss Reserves to Loans 0.56%
Liquidity Emerald Credit Association Federal Credit Union
Greenwood, SC 		Click to
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Hot Money Ratio 0.00%
Liquidity Ratio 21.47%
Profitability Emerald Credit Association Federal Credit Union
Greenwood, SC 		Click to
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5-Year Return on Average Assets 0.37%
Net Income 11.00K
Net Interest Spread 5.98%
Operating Profit to Average Assets 0.43%
Overhead Efficiency Ratio 92.41%
Return on Assets 0.47%
Return on Equity 5.45%