Emerald Credit Association
Greenwood, SC · Charter 19047 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$10.3MAssets
$7.3MLoans
$9.4MShares
$865KNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets (rank 132 of 1682).
- Widest gap: equity / assets trails 94% of credit unions under $1B in assets (rank 1586 of 1683).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.35%
Rank 1,268 of 1,683
Net Interest Margin
4.91%
Rank 163 of 1,683
Efficiency Ratio
92.99%
Rank 1,460 of 1,682
Equity / Assets
8.40%
Rank 1,586 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.35% | 0.35% | 0.74% | 1.18% | Beats 25% | 1,268 / 1,683 | |
| Return on Equity | 4.16% | 2.67% | 5.89% | 8.74% | Beats 36% | 1,068 / 1,681 | |
| Net Interest Margin | 4.91% | 3.31% | 3.82% | 4.32% | Beats 90% | 163 / 1,683 | |
| Efficiency Ratio | 92.99% | 68.91% | 78.20% | 86.93% | Beats 13% | 1,460 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.40% | 10.44% | 12.89% | 16.53% | Beats 6% | 1,586 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 8.40% | 10.44% | 12.89% | 16.53% | Beats 6% | 1,586 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 77.28% | 52.61% | 69.38% | 83.50% | 65th pctl | 596 / 1,683 | |
| Loans / Assets | 70.39% | 44.71% | 59.18% | 70.72% | 74th pctl | 434 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |