EMERALD CREDIT UNION, INC.
Federal • Garfield Hts, Ohio • Est. 1955
Quick Facts
- Charter Number
- #97077
- Type
- Federal
- Established
- 1955
- Headquarters
- Garfield Hts, Ohio 44125
- Address
- 13201 GRANGER RD STE 1
- Branches
- 1
- ATMs
- 1
- Members
- 3,457
- Membership Type
- Community
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 8% and a delinquency rate below 1.5%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
3,457 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | EMERALD CREDIT UNION, INC. |
|---|---|
| Total Assets | $32.4M |
| Members | 3,457 |
| Loans Outstanding | $19.5M |
| Shares & Deposits | $28.8M |
| Net Worth | $2.9M |
| Net Worth Ratio | 9.06% |
| Loan-to-Share Ratio | 67.6% |
| Delinquency Rate | 0.71% |
| Net Income | $-44,754 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
Branch Locations
1 location · 1 ATMs
MAIN OFFICE
Main Office13201 GRANGER RD STE 1
Garfield Hts, OH 44125
Who Can Join EMERALD CREDIT UNION, INC.?
Membership Type: Community
Membership eligibility for EMERALD CREDIT UNION, INC. may vary. Contact the credit union directly to confirm qualification requirements.
Contact EMERALD CREDIT UNION, INC. directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in Ohio
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View Ohio RankingsFrequently Asked Questions
EMERALD CREDIT UNION, INC. is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, EMERALD CREDIT UNION, INC. has 3,457 members and a potential membership field of 10,000 people.
EMERALD CREDIT UNION, INC.'s reported net worth ratio is 9.06% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
EMERALD CREDIT UNION, INC. operates 1 branch location and has access to 1 ATMs. The main office is located at 13201 GRANGER RD STE 1, Garfield Hts, OH 44125.
EMERALD CREDIT UNION, INC. was established in 1955. It is a federal credit union chartered under charter number 97077. The institution has been serving members for 71 years.
Data sourced from the NCUA Quarterly Call Report (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or EMERALD CREDIT UNION, INC.. All financial data is for informational purposes only.