2. Emerald Credit Association FCU

Emerald Credit Association FCU


Overview / Commentary
www.emeraldcu.com
864-223-9135
2117 Kateway
Greenwood, SC 29646

Emerald Credit Association FCU is headquartered in Greenwood and is the 52nd largest credit union in the state of South Carolina. It is also the 4,400th largest credit union in the nation. It was established in 1968 and as of September of 2018, it had grown to 4 employees and 1,310 members at 1 location. Emerald Credit Association FCU has a C+ health rating.

Field of Membership Restrictions

Membership in Emerald Credit Association Federal Credit Union is open to those who live, work, attend school or worship in Greenwood County, South Carolina.
See current membership details

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Health
C+

Data as of Q3 2018

Learn why bank health matters
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Emerald Credit Association FCU has a very low asset base.

Health Grade Components

Overall
NCUA #19047
Year Chartered1968
Employees4
Primary Regulator
Profit Margin
Return on Assets - YTD0.25%
Return on Equity - YTD2.89%
Annual Interest Income$212.00K
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$6.9MM$6.7MM
LoansQ3 2018vs Q3 2017$4.2MM$4.3MM
DepositsQ3 2018vs Q3 2017$6.3MM$6.1MM
Equity CapitalQ3 2018vs Q3 2017$600.00K$581.00K
Loan Loss AllowanceQ3 2018vs Q3 2017$23.00K$23.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$12.00K$2.00K
Real Estate OwnedQ3 2018vs Q3 2017$0$0
Rates
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Emerald Credit Association FCU Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$100-Share Savings Account
0.10%$100-Vacation Club Account
0.10%$100-Christmas Club Account

Emerald Credit Association FCU Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%--Checking Account
Locations


Emerald Credit Association FCU Locations
Branch Office2117 KatewayGreenwood, SC 29646

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