Emerald Credit Union, Inc.

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets

$32.2M

80^th percentile

Members

3,474

90^th percentile

Total loans

$19.1M

87^th percentile

Total shares

$28.6M

82^th percentile

Profitability

Return on assets

-0.44%

9^th percentile

Net interest margin

4.23%

60^th percentile

Efficiency ratio

101.68%

6^th percentile

Non-interest income ratio

16.97%

75^th percentile

Capital & Risk

Net worth ratio

9.24%

11^th percentile

Delinquency rate

1.84%

26^th percentile

Net charge-off rate

0.82%

21^th percentile

Loan-to-share

66.96%

59^th percentile

Growth

Member growth YoY

-4.40%

20^th percentile

Asset growth YoY

-5.00%

16^th percentile

Loan growth YoY

-7.93%

31^th percentile

Share growth YoY

-5.52%

18^th percentile

Operations

Members / branch

3,474

95^th percentile

Assets / member

$9,281

51^th percentile

Field of membership penetration

34.74%

48^th percentile

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