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
- 3,474
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Above-average financial health. Net worth is strong and key ratios are within normal ranges, with minor areas to monitor.
Financial Overview
Total Assets
Members
3,474 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | EMERALD CREDIT UNION, INC. |
|---|---|
| Total Assets | $32.2M |
| Members | 3,474 |
| Loans Outstanding | $19.1M |
| Shares & Deposits | $28.6M |
| Net Worth | $3.0M |
| Net Worth Ratio | 9.24% |
| Loan-to-Share Ratio | 67.0% |
| Delinquency Rate | 1.84% |
| Net Income | $-141,898 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
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.
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View Ohio RankingsFrequently Asked Questions
Yes. EMERALD CREDIT UNION, INC. is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, EMERALD CREDIT UNION, INC. has 3,474 members and a potential membership field of 10,000 people.
EMERALD CREDIT UNION, INC.'s net worth ratio is 9.24% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 9.2%, EMERALD CREDIT UNION, INC. meets this threshold.
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 (Q4 2025). 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.