Federal credit union · Greenwood, South Carolina · NCUA charter #19047
Emerald Credit Association
Health score 86/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $10.1M
- Total assets
- 1,213
- Members
- 8.4%
- Net-worth ratio
Emerald Credit Association - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #19047 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Emerald Credit Association - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)87
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth34
- Liquidity (loan-to-share)100
Weighted composite: 86/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 8.41%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 8.41% | 30% |
| Delinquency Rate | 0.01% | 25% |
| Return on Assets | 0.65% | 15% |
| Member Growth | -2.18% | 15% |
| Loan-to-Share Ratio | 82.80% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $10.1M | 1,213 |
| 2024Q4 | $8.9M | 1,240 |
| 2023Q4 | $9.1M | 1,263 |
Credit Union Details
- Charter Number
- 19047
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- South Carolina
- City
- Greenwood
- Data Quarter
- 2025Q4
What This Data Says About Emerald Credit Association
Emerald Credit Association is a federal credit union headquartered in Greenwood, South Carolina, serving 1,213 members with $10.1M in total assets and $7.6M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 86/100 (Excellent), anchored by a net worth ratio of 8.41% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #19047 operates under peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
0.01% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Deposit deployment is captured by the 82.80% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.65% on net income of $66K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -2.18%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Community) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in South Carolina
Other federally-insured credit unions in South Carolina, closest first by peer group and asset size.
- SELF MEMORIAL HOSPITALGREENWOOD, SC · $10M–$50M72Health
- ANMEDAnderson, SC · $10M–$50M96Health
- BERKELEY COMMUNITYMoncks Corner, SC · $10M–$50M58Health
- 1ST COOPERATIVECayce, SC · $10M–$50M80Health
- S C IFlorence, SC · $10M–$50M85Health
Compare Emerald Credit Association vs SELF MEMORIAL HOSPITAL
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Emerald Credit Association financially healthy?
Emerald Credit Association has a financial health score of 86/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 8.41% and delinquency rate of 0.01%.
How does Emerald Credit Association compare to other credit unions?
86/100 is Emerald Credit Association's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Emerald Credit Association?
Emerald Credit Association operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Emerald Credit Association directly for the exact boundaries and application steps.
Is my money safe at Emerald Credit Association?
Federal credit unions like Emerald Credit Association are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Emerald Credit Association's net worth ratio of 8.41% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Emerald Credit Association offer compared to banks?
Credit unions like Emerald Credit Association are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Emerald Credit Association directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.