Federal credit union · Greenwood, South Carolina · NCUA charter #19047
Emerald Credit Association
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $10.1M
- Total assets
- 1,213
- Members
- 7.8%
- Net-worth ratio
Emerald Credit Association scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $10.1M; members 1,213; net-worth ratio 7.81%; health rank #2,032 of 4,374; healthier than 54th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,032 of 4,374 health · 2025Q4Emerald Credit Association · health 85/100 · $10.1M · 2025Q4
- MEM 85/100
- RANK 7.8%
- PHOTO 0.01%
- BOOK 0.65%
- CHARTER $10.1M
- NCUSIF 1,213
- CAMELS #2,032/4,374
- HEALTH North Western Employees
- NW 19047
Call Report peers
Emerald Credit Association in the assets neighbourhood
Emerald Credit Association's $10.1M assets sit next to North Western Employees ($10.1M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Emerald Credit Association vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
85 Top 46% higher than 54% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
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 vs $10M–$50M peers
- Largest favorable gap: Loan-to-Share Ratio at 82.80% vs peer 59.80% (+23.00 pp).
- Net Worth Ratio trails the peer set - 7.81% here, 14.86% peer average (-7.05 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Emerald Credit Association sits in South Carolina
- Health composite ranks #26 of 46 among scored South Carolina credit unions.
- Assets rank #42 of 46 inside South Carolina ($10.1M reported).
- South Carolina membership ordinal: #42 of 46.
In-state ordinals use the live credit_unions table for SC only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Emerald Credit Association
Emerald Credit Association: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +8.7% from $10.1M (2025Q4) to $10.9M (2026Q1).
- Net-worth ratio shifted -0.60 pp (8.41% → 7.81%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 7.81%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 85/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 85.
- Net Worth Ratio 24.5 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 5.1 pts
- Loan-to-Share Ratio 15.4 pts
Emerald Credit Association vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.81% | -7.05 pp |
| Delinquency Rate | 0.01% | -1.14 pp |
| Return on Assets | 0.65% | -0.05 pp |
| Member Growth | -2.18% | - |
| Loan-to-Share Ratio | 82.80% | +23.00 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Emerald Credit Association filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $10.9M | - |
| 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
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Emerald Credit Association, spread across 2 cities in 2 states.
| Office | City |
|---|---|
| Emerald Credit Association FCU (Main Office) | Greenwood, SC |
| CSPI- Aurora | Jefferson City, MO |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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–$50M71Health
- 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
Emerald Credit Association nationwide neighbourhoods
Two NCUA Call Report peer sets for Emerald Credit Association, both outside South Carolina so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($10.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
Using this data
- Emerald Credit Association ranks #2,032 of 4,374 nationally on financial health and #26 of 46 in SC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Self Memorial Hospital is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Self Memorial Hospital
- Rates and health both vary by institution, not just by state -- see how South Carolina credit unions compare overall before assuming this one is typical. South Carolina state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Emerald Credit Association financially healthy?
Emerald Credit Association has a financial health score of 85/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,032 of 4,374; by total assets it ranks #3,563 of 4,374 nationally (same basis as /rankings/largest); and #42 of 46 within South Carolina. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 7.81% and delinquency rate of 0.01%.
How does Emerald Credit Association compare to other credit unions?
85/100 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 7.81% 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.
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.