Emerald Credit Association FCU
Overview / Commentary
Emerald Credit Association FCU is headquartered in Greenwood and is the 56th largest credit union in the state of South Carolina. It is also the 4,717th largest credit union in the nation. It was established in 1968 and as of June of 2016, it had grown to 4 employees and 1,308 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
Health
C+
Data as of Q2 2016
Learn more about bank healthAdditional 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 | 0.51% |
| Return on Equity - YTD | 5.84% |
| Annual Interest Income | $132.00K |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2016vs Q2 2015 | $6.3MM$6.1MM |
| Loans | Q2 2016vs Q2 2015 | $4.1MM$3.9MM |
| Deposits | Q2 2016vs Q2 2015 | $5.7MM$5.5MM |
| Equity Capital | Q2 2016vs Q2 2015 | $548.00K$515.00K |
| Loan Loss Allowance | Q2 2016vs Q2 2015 | $21.00K$16.00K |
| Unbacked Noncurrent Loans | Q2 2016vs Q2 2015 | $4.00K$23.00K |
| Real Estate Owned | Q2 2016vs Q2 2015 | $0$0 |
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Emerald Credit Association FCU Savings Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.05% | - | - | Checking Account |
Locations
| Emerald Credit Association FCU Locations | ||
|---|---|---|
| Branch Office | 2117 Kateway | Greenwood, SC 29646 |