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Overview / Commentary
2117 Kateway
Greenwood, SC 29646

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.
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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

NCUA #19047
Year Chartered1968
Primary Regulator
Profit Margin
Return on Assets - YTD0.51%
Return on Equity - YTD5.84%
Annual Interest Income$132.00K
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$6.3MM$6.1MM
LoansQ2 2016vs Q2 2015$4.1MM$3.9MM
DepositsQ2 2016vs Q2 2015$5.7MM$5.5MM
Equity CapitalQ2 2016vs Q2 2015$548.00K$515.00K
Loan Loss AllowanceQ2 2016vs Q2 2015$21.00K$16.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$4.00K$23.00K
Real Estate OwnedQ2 2016vs Q2 2015$0$0
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Emerald Credit Association FCU Savings Account Rates

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

0.05%--Checking Account

Emerald Credit Association FCU Locations
Branch Office2117 KatewayGreenwood, SC 29646