Federal credit union · Springfield, Oregon · NCUA charter #9877
Emerald Empire
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $27.7M
- Total assets
- 2,544
- Members
- 20.1%
- Net-worth ratio
Emerald Empire scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $27.7M; members 2,544; net-worth ratio 20.13%; health rank #446 of 4,374; healthier than 87th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#446 of 4,374 health · 2025Q4Emerald Empire · health 94/100 · $27.7M · 2025Q4
- ASSETS 94/100
- MEM 20.1%
- RANK 0.33%
- PHOTO 1.05%
- BOOK $27.7M
- CHARTER 2,544
- NCUSIF #446/4,374
- CAMELS EQT
- HEALTH 9877
Call Report peers
Emerald Empire in the assets neighbourhood
Emerald Empire's $27.7M assets sit next to EQT ($27.7M) 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 Empire 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
94 Top 13% higher than 87% 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 Empire - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #9877, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Where Emerald Empire diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 92.39% vs peer 59.80% (+32.59 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Emerald Empire: in-state Call Report ranks
- Oregon health ordinal: #11 of 48.
- By total assets, Emerald Empire is #43 of 48 in Oregon.
- Membership ranks #40 of 48 among Oregon CUs with a reported count (2,544 members).
In-state ordinals use the live credit_unions table for OR only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Emerald Empire: 2025Q4 → 2026Q1
Emerald Empire: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.4% from $27.7M (2025Q4) to $28.9M (2026Q1).
- Net-worth ratio shifted -0.91 pp (21.04% → 20.13%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 20.13%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 94/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 94.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.9 pts
- Loan-to-Share Ratio 14.1 pts
Call Report ratios for Emerald Empire
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 20.13% | +5.27 pp |
| Delinquency Rate | 0.33% | -0.82 pp |
| Return on Assets | 1.05% | +0.35 pp |
| Member Growth | 0.75% | - |
| Loan-to-Share Ratio | 92.39% | +32.59 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 Empire
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $28.9M | - |
| 2025Q4 | $27.7M | 2,544 |
| 2024Q4 | $28.4M | 2,525 |
| 2023Q4 | $28.8M | 2,585 |
Credit Union Details
- Charter Number
- 9877
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Oregon
- City
- Springfield
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Emerald Empire, spread across 2 cities.
| Office | City |
|---|---|
| Emerald Empire Federal Credit Union (Main Office) | Springfield, OR |
| EWEB Federal Credit Union | Eugene, OR |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Oregon
More federally-insured credit unions based in Oregon, ordered by peer group match and asset size.
Cross-state Call Report peers for Emerald Empire
Two NCUA Call Report peer sets for Emerald Empire, both outside Oregon 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 ($27.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (94/100 here).
Using this data
- Emerald Empire ranks #446 of 4,374 nationally on financial health and #11 of 48 in OR -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- GATEWAY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with GATEWAY
- Rates and health both vary by institution, not just by state -- see how Oregon credit unions compare overall before assuming this one is typical. Oregon 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 Empire financially healthy?
Yes/no aside, the number is 94/100 (Excellent) - Emerald Empire'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 #446 of 4,374; by total assets it ranks #2,919 of 4,374 nationally (same basis as /rankings/largest); and #43 of 48 within Oregon. Above 80 reads excellent, below 50 warrants closer monitoring; a 20.13% net worth ratio and 0.33% delinquency rate are the key drivers.
How does Emerald Empire compare to other credit unions?
PlainCU's health composite puts Emerald Empire at 94/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (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 Empire?
Emerald Empire 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 Empire directly for the exact boundaries and application steps.
Is my money safe at Emerald Empire?
Federal credit unions like Emerald Empire 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 Empire's net worth ratio of 20.13% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Emerald Empire offer compared to banks?
Credit unions like Emerald Empire 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 Empire 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.