Overview / Commentary
Emerald Credit Association FCU is headquartered in Greenwood and is the 43rd largest credit union in the state of South Carolina. It is also the 3,660th largest credit union in the nation. It was established in 1968 and as of March of 2025, it had grown to 4 employees and 1,232 members at 2 locations. 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, worship, or attend school in Greenwood County, South Carolina.
See current membership details
Health
C+
Data as of Q1 2025
Learn why bank health mattersAdditional 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 Chartered | 1968 |
| Employees | 4 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.48% |
| Return on Equity - YTD | 5.47% |
| Annual Interest Income | $124K |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $9.8MM$9.2MM |
| Loans | Q1 2025vs Q1 2024 | $7.7MM$7MM |
| Deposits | Q1 2025vs Q1 2024 | $8.9MM$8.4MM |
| Equity Capital | Q1 2025vs Q1 2024 | $813K$749K |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $43K$35K |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $0$0 |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |