Emerald Credit Union, Inc.
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.9 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 3.4, driven by a liquidity ratio of 17.2 percent and a “hot money” ratio of 0.7 percent. A current level of 13.7 percent of nonperforming loans to core capital contributes to the Fair asset quality (5.0).
Asset Mix:
Consumer loans (28%), home mtgs (22%), securities (21%), other (29%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
13201 Granger Road
Garfield Heights, OH 44125
Garfield Heights, OH 44125
Phone Number
(216) 581-5581
NCUA Charter Number
Website
Largest Competitors
Beavercreek, OH
Cincinnati, OH
Gahanna, OH
Warren, OH
Garfield Heights, OH