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
Call Report peers
Emerald Credit Association in the assets neighbourhood
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
Emerald Credit Association sits in the busiest band, 85-89, alongside 857 other credit unions.
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 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).
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.
- One place up in South Carolina, S C I (#25) ties at 85/100; one place down, Curis Financial (#27) scores 84/100, 1 point lower.
Quarter path for Emerald Credit Association
Emerald Credit Association: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +8.7% from $10.1M (2025Q4) to $10.9M (2026Q1).
- Net-worth ratio shifted -0.60 pp (8.41% → 7.81%).
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
Emerald Credit Association gives up 15 points in total. Member Growth costs the most, 9.9 of its 15; Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is Emerald Credit Association financially healthy?
Emerald Credit Association has a financial health score of 85/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,032 of 4,374 nationally on health and #26 of 46 in South Carolina. Its net worth ratio is 7.81% and its delinquency rate 0.01%.
How does Emerald Credit Association compare to other credit unions?
Emerald Credit Association scores 85/100, higher than 54% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (82.80% vs 59.80%). Its widest shortfall is net worth ratio (7.81% vs 14.86%).
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?
Emerald Credit Association is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.