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Emerald Credit Union, Inc.

Garfield Hts, OH · Charter 97077

NCUA · 1 branch

Q2 2026

$32.7MAssets
$18.9MLoans
$29.2MShares
$2.9MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.51%, down 34 bps year over year; NIM at 4.09%.
  • Asset quality: problem loans at 1.66% of loans (-86 bps YoY).
  • Capital: net worth / assets of 8.86%, down 98 bps from a year ago.
  • Funding: loans stand at 64.69% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.51%-34 bps YoY

Net Interest Margin (YTD, annualized)

4.09%+8 bps YoY

Efficiency Ratio (YTD, annualized)

92.49%-66 bps YoY

Net Worth / Assets

8.86%-98 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.17%-0.08%-0.96%-0.55%-0.51%-34 bps
Return on Equity-1.70%-0.80%-10.35%-6.10%-5.74%-403 bps
Net Interest Margin4.01%4.24%4.23%4.11%4.09%+8 bps
Efficiency Ratio93.16%93.16%108.51%91.29%92.49%-66 bps
Growth
Asset Growth (YoY)-0.27%-1.88%-5.00%-6.17%-3.89%-362 bps
Loan Growth (YoY)0.17%-0.58%-7.93%-2.23%-6.27%-644 bps
Share Growth (YoY)-0.73%-3.06%-5.52%-5.43%-2.66%-193 bps
Asset Quality
Delinquent Loans / Loans2.52%2.18%1.84%0.71%1.66%-86 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.83%10.37%9.24%9.06%8.86%-98 bps
Net Worth / Assets9.83%10.37%9.24%9.06%8.86%-98 bps
Liquidity & Funding
Loans / Shares67.18%68.91%66.96%67.59%64.69%-249 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps