Headquartered in Garfield Hts, Ohio, Emerald Credit Union, Inc. is a non-federally insured state credit union with $32.7M in total assets and $29.2M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1955.
Based on its Q2 2026 filing, Emerald Credit Union, Inc. scores 45/100, which we describe as below average. That is higher than only 5% of 2,479 credit unions with under $100 million in assets. Among 192 credit unions headquartered in Ohio, it ranks 185th. Its strongest component is funding & liquidity (96/100; 65% loans-to-deposits, 0% uninsured), and its lowest is earnings (0/100; -0.51%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 3 points (42 → 45), mostly because the loan quality component improved by 29 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 61 |
| Q3 2024 | 61 |
| Q4 2024 | 54 |
| Q1 2025 | 51 |
| Q2 2025 | 42 |
| Q3 2025 | 47 |
| Q4 2025 | 44 |
| Q1 2026 | 54 |
| Q2 2026 | 45 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 10.17% |
| Q3 2024 | 10.43% |
| Q4 2024 | 9.91% |
| Q1 2025 | 9.66% |
| Q2 2025 | 9.81% |
| Q3 2025 | 10.34% |
| Q4 2025 | 9.24% |
| Q1 2026 | 9.06% |
| Q2 2026 | 8.86% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.68% |
| Q3 2024 | 0.67% |
| Q4 2024 | 1.34% |
| Q1 2025 | 1.43% |
| Q2 2025 | 2.52% |
| Q3 2025 | 2.18% |
| Q4 2025 | 1.84% |
| Q1 2026 | 0.71% |
| Q2 2026 | 1.66% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.10% |
| Q3 2024 | -0.19% |
| Q4 2024 | -0.12% |
| Q1 2025 | -0.34% |
| Q2 2025 | -0.17% |
| Q3 2025 | -0.08% |
| Q4 2025 | -0.96% |
| Q1 2026 | -0.55% |
| Q2 2026 | -0.51% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 45 | $32.7M | 8.86% | 1.66% | -0.51% | 64.7% |
| Q1 2026 | 54 | $32.4M | 9.06% | 0.71% | -0.55% | 67.6% |
| Q4 2025 | 44 | $32.2M | 9.24% | 1.84% | -0.96% | 67.0% |
| Q3 2025 | 47 | $32.3M | 10.34% | 2.18% | -0.08% | 68.9% |
| Q2 2025 | 42 | $34.0M | 9.81% | 2.52% | -0.17% | 67.2% |
| Q1 2025 | 51 | $34.5M | 9.66% | 1.43% | -0.34% | 65.4% |
| Q4 2024 | 54 | $33.9M | 9.91% | 1.34% | -0.12% | 68.7% |
| Q3 2024 | 61 | $33.0M | 10.43% | 0.67% | -0.19% | 67.2% |
| Q2 2024 | 61 | $34.1M | 10.17% | 0.68% | -0.10% | 66.6% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Ohio
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Carey Poverello Federal Credit UnionCredit union Carey, OH | 81 out of 100, Strong | $32.7M | 12.9% | 0.34% | vs |
| Brewster Federal Credit UnionCredit union Brewster, OH | 95 out of 100, Very strong | $32.9M | 18.4% | 0.56% | vs |
| Allwealth Federal Credit UnionCredit union Hamilton, OH | 72 out of 100, Strong | $33.2M | 12.3% | 1.63% | vs |
| Greater Wayne Community Federal Credit UnionCredit union Rittman, OH | 68 out of 100, Moderate | $33.6M | 10.7% | 1.01% | vs |
| Cincinnati Interagency Federal Credit UnionCredit union Cincinnati, OH | 92 out of 100, Very strong | $30.8M | 18.2% | 0.82% | vs |
| Port Conneaut Federal Credit UnionCredit union Conneaut, OH | 52 out of 100, Below average | $30.7M | 12.9% | 2.98% | vs |
Deposit insurance
Is my money safe at Emerald Credit Union, Inc.?
Emerald Credit Union, Inc. files NCUA call reports but its charter type is recorded as not federally insured. Ask the credit union how deposits are insured.
An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 8.86%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Emerald Credit Union, Inc. lists 1 office in 1 city. Most locations:
- Garfield Hts, OH (1)
Identity & history
Profile
- Legal name
- Emerald Credit Union, Inc.
- Type
- Non-federally insured state credit union
- NCUA charter #
- 97077
- RSSD ID
- 171898
- Primary regulator
- State + NCUA
- Established
- 1955
- Headquarters
- 13201 Granger Rd Ste 1, Garfield Hts, OH 44125
- Employees
- 12
Quick answers
Emerald Credit Union, Inc.: common questions
Is Emerald Credit Union, Inc. NCUA insured?
Emerald Credit Union, Inc. files NCUA call reports but its charter type is recorded as not federally insured. Ask the credit union how deposits are insured.
What is Emerald Credit Union, Inc.'s TellerScore?
45 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Emerald Credit Union, Inc. have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Garfield Hts
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Credit First National AssociationBank Brook Park, OH | 94 out of 100, Very strong | $39.8M | 98.3% | 0.00% | vs |
| Wiremen'S Credit UnionCredit union Parma, OH | 92 out of 100, Very strong | $40.6M | 17.0% | 0.11% | vs |
| Solon/Chagrin Falls Federal Credit UnionCredit union Solon, OH | 90 out of 100, Very strong | $9.6M | 19.8% | 0.04% | vs |
| Cleveland Selfreliance Federal Credit UnionCredit union Parma, OH | 88 out of 100, Very strong | $113.7M | 17.3% | 0.01% | vs |
| Acme Federal Credit UnionCredit union Eastlake, OH | 88 out of 100, Very strong | $15.2M | 18.9% | 0.18% | vs |
| Medina County Federal Credit UnionCredit union Wadsworth, OH | 88 out of 100, Very strong | $151.3M | 12.3% | 0.09% | vs |