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
Call Report peers
Emerald Empire in the assets neighbourhood
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Emerald Empire vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Emerald Empire sits in 90-94 with 747 others.
94 Top 13% higher than 87% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where Emerald Empire diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 92.39% vs peer 59.80% (+32.59 pp).
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).
- One place up in Oregon, Onpoint Community (#10) scores 95/100, 1 point higher; one place down, Eweb Employees (#12) ties at 94/100.
Emerald Empire: 2025Q4 → 2026Q1
Emerald Empire: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.4% from $27.7M (2025Q4) to $28.9M (2026Q1).
- Net-worth ratio shifted -0.91 pp (21.04% → 20.13%).
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
Emerald Empire gives up 6 points in total. Member Growth costs the most, 5.1 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Emerald Empire financially healthy?
Emerald Empire has a financial health score of 94/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #446 of 4,374 nationally on health and #11 of 48 in Oregon. Its net worth ratio is 20.13% and its delinquency rate 0.33%.
How does Emerald Empire compare to other credit unions?
Emerald Empire scores 94/100, higher than 87% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (92.39% vs 59.80%).
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?
Emerald Empire 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 Empire's net worth ratio of 20.13% 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.