Emerald Credit Union


Overview / Commentary
216-581-5581
13201 Granger Rd Ste 1
Garfield Hts, OH 44125

Emerald Credit Union is headquartered in GARFIELD HTS and is the 115th largest credit union in the state of Ohio. It is also the 2,633rd largest credit union in the nation. It was established in 1955 and as of June of 2020, it had grown to 17 employees and 5,286 members at 1 location. Emerald Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, attend school or worship in Cuyahoga County.
See current membership details

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Health
B+
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 Union has a low asset base.

Health Grade Components

Overall
NCUA #97077
Year Chartered1955
Employees17
Primary Regulator
Profit Margin
Return on Assets - YTD-1.48%
Return on Equity - YTD-18.64%
Annual Interest Income$777.00K
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$40.4MM$39.1MM
LoansQ2 2020vs Q2 2019$18.8MM$19.2MM
DepositsQ2 2020vs Q2 2019$36.9MM$34.9MM
Equity CapitalQ2 2020vs Q2 2019$3.1MM$3.8MM
Loan Loss AllowanceQ2 2020vs Q2 2019$557.00K$353.00K
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$173.00K$408.00K
Real Estate OwnedQ2 2020vs Q2 2019$0$0
Rates
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Emerald Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.01%$500-Regular Shares (Savings)
0.01%$50-Youth Share (Savings)
0.01%$1k-IRA Accumulator
0.01%$500-Christmas Club Account
0.01%$500-Special Savings Account

Emerald Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.35%$1k-60 Month CD
0.30%$1k-48 Month CD
0.25%$1k-36 Month CD
0.20%$1k-24 Month CD

Emerald Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.35%$1k-60 Month IRA
0.30%$1k-48 Month IRA
0.25%$1k-36 Month IRA
0.20%$1k-24 Month IRA
Locations


Emerald Credit Union Locations
Branch Office13201 GRANGER RD STE 1GARFIELD HTS, OH 44125

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