Federal credit union · GARFIELD HTS, Ohio · NCUA charter #97077
Emerald Credit Union, Inc.
Health score 60/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 60
- Health / 100
- $32.2M
- Total assets
- 3,474
- Members
- 9.1%
- Net-worth ratio
Emerald Credit Union, Inc. scores 60/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $32.2M; members 3,474; net-worth ratio 9.06%; health rank #4,068 of 4,374; healthier than 7th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#4,068 of 4,374 health · 2025Q4Emerald Credit Union, Inc. · health 60/100 · $32.2M · 2025Q4
- RANK 60/100
- PHOTO 9.1%
- BOOK 1.84%
- CHARTER -0.13%
- NCUSIF $32.2M
- CAMELS 3,474
- HEALTH #4,068/4,374
- NW PINPOINT
- DELQ 97077
Call Report peers
Emerald Credit Union, Inc. in the assets neighbourhood
Emerald Credit Union, Inc.'s $32.2M assets sit next to PINPOINT ($32.2M) 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 Union, Inc. 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
60 7th percentile higher than 7% 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 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.: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 66.96% here, 59.80% peer average (+7.16 pp).
- Largest lag: Net Worth Ratio at 9.06% vs peer 14.86% (-5.80 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Emerald Credit Union, Inc.: in-state Call Report ranks
- Ohio health ordinal: #178 of 196.
- Assets rank #129 of 196 inside Ohio ($32.2M reported).
- Member book place in Ohio: #118 of 196.
In-state ordinals use the live credit_unions table for OH only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Emerald Credit Union, Inc. Call Report trajectory
Emerald Credit Union, Inc.: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.5% from $32.2M (2025Q4) to $32.4M (2026Q1).
- Net-worth ratio shifted -0.18 pp (9.24% → 9.06%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.06%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 60/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 60.
- Net Worth Ratio 27.6 pts
- Delinquency Rate 13.7 pts
- Return on Assets 3.3 pts
- Member Growth 1.1 pts
- Loan-to-Share Ratio 14.3 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.06% | -5.80 pp |
| Delinquency Rate | 1.84% | +0.70 pp |
| Return on Assets | -0.13% | -0.83 pp |
| Member Growth | -4.40% | - |
| Loan-to-Share Ratio | 66.96% | +7.16 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).
Call Report history - Emerald Credit Union, Inc.
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $32.4M | - |
| 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
Branch Location
The NCUA branch filing lists a single physical office for Emerald Credit Union, Inc..
| Office | City |
|---|---|
| MAIN OFFICE (Main Office) | GARFIELD HTS, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
More federally-insured credit unions based in Ohio, ordered by peer group match and asset size.
Other-state peers near Emerald Credit Union, Inc.
Cross-state asset and health neighbours for Emerald Credit Union, Inc. - kept outside Ohio; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($32.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (60/100 here).
Using this data
- Emerald Credit Union, Inc. ranks #4,068 of 4,374 nationally on financial health and #178 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ALLWEALTH is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ALLWEALTH
- Rates and health both vary by institution, not just by state -- see how Ohio credit unions compare overall before assuming this one is typical. Ohio 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 Union, Inc. financially healthy?
Yes/no aside, the number is 60/100 (Good) - Emerald Credit Union, Inc.'s financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,068 of 4,374; by total assets it ranks #2,794 of 4,374 nationally (same basis as /rankings/largest); and #129 of 196 within Ohio. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.06% net worth ratio and 1.84% delinquency rate are the key drivers.
How does Emerald Credit Union, Inc. compare to other credit unions?
60/100 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 9.06% 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.
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.