Emerald Credit Association

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

$10.1M

41^th percentile

Members

1,213

44^th percentile

Total loans

$7.6M

57^th percentile

Total shares

$8.9M

44^th percentile

Profitability

Return on assets

0.44%

32^th percentile

Net interest margin

4.79%

78^th percentile

Efficiency ratio

86.31%

16^th percentile

Non-interest income ratio

19.33%

81^th percentile

Capital & Risk

Net worth ratio

8.41%

7^th percentile

Delinquency rate

0.01%

84^th percentile

Net charge-off rate

0.32%

42^th percentile

Loan-to-share

85.11%

83^th percentile

Growth

Member growth YoY

-2.18%

42^th percentile

Asset growth YoY

12.74%

95^th percentile

Loan growth YoY

-2.59%

52^th percentile

Share growth YoY

10.67%

92^th percentile

Operations

Members / branch

1,213

55^th percentile

Assets / member

$8,298

41^th percentile

Field of membership penetration

1.75%

10^th percentile

Want the full picture for Emerald Credit Association?

This is a free public preview. Tudovu's Industry Data Explorer adds custom peer groups, 10+ years of history, side-by-side comparisons, and one-click downloadable peer reports — used by credit unions to plan their next quarter.

See Tudovu →Free demo