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
Call Report peers
Emerald Credit Union, Inc. in the assets neighbourhood
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Emerald Credit Union, Inc. vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Emerald Credit Union, Inc. sits in 60-64 with 179 others.
60 7th percentile higher than 7% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Ohio, Cleveland Church of Christ (#177) ties at 60/100; one place down, Faith Community United (#179) scores 59/100, 1 point lower.
Emerald Credit Union, Inc. Call Report trajectory
Emerald Credit Union, Inc.: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.5% from $32.2M (2025Q4) to $32.4M (2026Q1).
- Net-worth ratio shifted -0.18 pp (9.24% → 9.06%).
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
Emerald Credit Union, Inc. gives up 40 points in total. Member Growth costs the most, 13.9 of its 15; Loan-to-Share Ratio loses the least, 0.7.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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.
Similar total assets
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
Frequently Asked Questions
Is Emerald Credit Union, Inc. financially healthy?
Emerald Credit Union, Inc. has a financial health score of 60/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,068 of 4,374 nationally on health and #178 of 196 in Ohio. Its net worth ratio is 9.06% and its delinquency rate 1.84%.
How does Emerald Credit Union, Inc. compare to other credit unions?
Emerald Credit Union, Inc. scores 60/100, higher than 7% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (66.96% vs 59.80%). Its widest shortfall is net worth ratio (9.06% vs 14.86%).
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.?
Emerald Credit Union, Inc. 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 Union, Inc.'s net worth ratio of 9.06% 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.