Emerald Credit Union, Inc.
Garfield Hts, OH · Charter 97077 · Peer group: credit unions under $1B in assets in the Cleveland, OH area (n=39)
NCUA · 1 branch
Q2 2026
$32.7MAssets
$18.9MLoans
$29.2MShares
$2.9MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 69% of credit unions under $1B in assets in the Cleveland, OH area (rank 12 of 39).
- Widest gap: return on equity trails 100% of credit unions under $1B in assets in the Cleveland, OH area (rank 39 of 39).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
-0.51%
Rank 37 of 39
Net Interest Margin
4.09%
Rank 12 of 39
Efficiency Ratio
92.44%
Rank 31 of 39
Equity / Assets
8.86%
Rank 36 of 39
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.51% | 0.13% | 0.49% | 0.87% | Beats 5% | 37 / 39 | | |
| Return on Equity | -5.73% | 1.01% | 4.09% | 7.61% | Beats 0% | 39 / 39 | | |
| Net Interest Margin | 4.09% | 3.28% | 3.83% | 4.18% | Beats 69% | 12 / 39 | | |
| Efficiency Ratio | 92.44% | 76.45% | 81.64% | 91.75% | Beats 23% | 31 / 39 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.65% | 0.15% | 0.61% | 1.88% | Beats 31% | 28 / 39 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.86% | 10.00% | 12.89% | 19.36% | Beats 8% | 36 / 39 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 8.86% | 10.00% | 12.89% | 19.36% | Beats 8% | 36 / 39 | | |
| Liquidity & Funding |
| Loans / Deposits | 64.69% | 45.46% | 53.28% | 74.29% | 64th pctl | 14 / 39 | | |
| Loans / Assets | 57.84% | 36.24% | 44.98% | 63.66% | 67th pctl | 13 / 39 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |