EMERALD CREDIT ASSOCIATION Credit Union Profile

Showing details for EMERALD CREDIT ASSOCIATION Credit Union.

Home > SC > EMERALD CREDIT ASSOCIATION

EMERALD CREDIT ASSOCIATION

Charter #19047 | NCUA Region 2 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (864) 223-9135

Fax: (864) 223-9135

Founding Date: N/A

Website: http://www.emeraldcu.com

Personnel & Operations

President: Owens, Jeff

Manager: Norman, Lisa

FT Employees: 4

PT Employees: 0

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 00

Branches: 1

Hours: Monday thru Wednesday 8:30 to 5:00 Thursda

Credit Union Profile Summary

EMERALD CREDIT ASSOCIATION is a FCU Credit Union. With a total of 1,237 members [1], this institution manages approximately $9,601,061 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 8.57% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 9.40% [1].

Financial Snapshot

Total Assets [1]
$9,601,061

Total economic resources.

Total Loans [1]
$7,934,398

Total value of outstanding loans.

Total Deposits [1]
$8,721,591

Total funds deposited by members.

Members [1]
1,237

Number of active members.

Performance Ratios

Net Worth Ratio [1]
8.57%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
0.45%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
90.97%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 6.01%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↑ 9.40%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↓ -2.14%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

2117 Kateway

Greenwood, SC, 29646
Open in Google Maps

Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

No approved reviews yet. Be the first to rate this Credit Union!

Branch Locations

Found 1 branches reported by EMERALD CREDIT ASSOCIATION (Charter #19047).

Main Office

Emerald Credit Association FCU Main Office

Type: Corporate Office

2117 Kateway

Greenwood, SC 29646

Phone: (864) 223-9135

Services: Member Services, Drive-Thru

Open in Directions