Emerald Empire Federal Credit Union

Overview / Commentary
850 Beltline Rd
Springfield, OR 97477

Emerald Empire Federal Credit Union is headquartered in Springfield and is the 51st largest credit union in the state of Oregon. It is also the 3,143rd largest credit union in the nation. It was established in 1954 and as of December of 2019, it had grown to 5 employees and 2,838 members at 1 location. Emerald Empire Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership is open to employees of Guard Publishing Company, the Law Office of Donald R. Slayton, Attorney at Law, the Law Office of Alan G. Seligson, Attorney at Law, employees and agents of Westover 21 Realty, Eugene Daily News, Kaminski Construction, LLC, Deborah Lynn Leach-Green, Chiropractor, or Members of the Confederated Tribe of Grand Ronde.
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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 Empire Federal Credit Union has a low asset base.

Health Grade Components

NCUA #9877
Year Chartered1954
Primary Regulator
Profit Margin
Return on Assets - YTD1.24%
Return on Equity - YTD6.95%
Annual Interest Income$1.1MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$23.9MM$23.3MM
LoansQ4 2019vs Q4 2018$14.5MM$15.0MM
DepositsQ4 2019vs Q4 2018$19.7MM$19.4MM
Equity CapitalQ4 2019vs Q4 2018$4.2MM$3.9MM
Loan Loss AllowanceQ4 2019vs Q4 2018$649.00K$594.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$10.00K$23.00K
Real Estate OwnedQ4 2019vs Q4 2018$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Emerald Empire Federal Credit Union Savings Account Rates

0.30%$100-IRA Savings
0.15%$250-My Account
0.10%$100-CHEF Account
0.05%$50-Regular Share Account
0.05%$50-Secondary Savings Account

Emerald Empire Federal Credit Union Money Market Rates

0.20%*$25k*-Money Market
OTHER TIERS: 0.15% $5k - $25k

Emerald Empire Federal Credit Union Checking Account Rates

0.10%--Rewards Checking

Emerald Empire Federal Credit Union CD Rates

1.05%$1k$100k3 Year Bump-It-Up Share Certificate
0.80%$1k$100k2 Year Bump-It-Up Share Certificate
0.60%$1k$100k1 Year Share Certificate
0.40%$1k$100k6 Month Share Certificate
0.40%$1k$100k1 Year Add-On Share Certificate

Emerald Empire Federal Credit Union IRA Rates

0.35%$1k$100k1 Year IRA

Emerald Empire Federal Credit Union Locations
Branch Office850 Beltline RdSpringfield, OR 97477

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