Federal credit union · GARFIELD HTS, Ohio · NCUA charter #97077
Emerald Credit Union, Inc.
Health score 61/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 61
- Health / 100
- $32.2M
- Total assets
- 3,474
- Members
- 9.2%
- Net-worth ratio
Emerald Credit Union, Inc. - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #97077: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Emerald Credit Union, Inc. - 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)94
- Asset quality (delinquency)55
- Earnings (ROA)22
- Member growth7
- Liquidity (loan-to-share)95
Weighted composite: 61/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 9.24%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.24% | 30% |
| Delinquency Rate | 1.84% | 25% |
| Return on Assets | -0.13% | 15% |
| Member Growth | -4.40% | 15% |
| Loan-to-Share Ratio | 66.96% | 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 | $32.2M | 3,474 |
| 2024Q4 | $33.9M | 3,634 |
| 2023Q4 | $34.8M | 3,923 |
Credit Union Details
- Charter Number
- 97077
- Type
- Federal
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Ohio
- City
- GARFIELD HTS
- Data Quarter
- 2025Q4
What This Data Says About Emerald Credit Union, Inc.
Charter #97077, peer group $10M–$50M, a cohort of 1163 similarly-sized institutions: that's Emerald Credit Union, Inc., a federal credit union in GARFIELD HTS, Ohio with 3,474 members, $32.2M in total assets, and $19.1M in outstanding loans as of Q4 2025. The five-factor composite scores it 61/100 (Good), helped by a net worth ratio of 9.24% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Deposits deployed into lending sit at a 66.96% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Loan quality, meanwhile, shows 1.84% of the book 60+ days past due - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. Return on assets stands at -0.13% on net income of $-41208 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 -4.40%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Ohio
More federally-insured credit unions based in Ohio, ordered by peer group match and asset size.
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 Union, Inc. financially healthy?
Yes/no aside, the number is 61/100 (Good) - Emerald Credit Union, Inc.'s financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.24% net worth ratio and 1.84% delinquency rate are the key drivers.
How does Emerald Credit Union, Inc. compare to other credit unions?
61/100 is Emerald Credit Union, Inc.'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 Union, Inc.?
Membership eligibility for Emerald Credit Union, Inc. depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Emerald Credit Union, Inc. directly for current membership requirements and application steps.
Is my money safe at Emerald Credit Union, Inc.?
Federal credit unions like Emerald Credit Union, Inc. 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 Union, Inc.'s net worth ratio of 9.24% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Emerald Credit Union, Inc. offer compared to banks?
Credit unions like Emerald Credit Union, Inc. 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 Union, Inc. 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.