EMERALD CREDIT ASSOCIATION
Charter #19047 · Greenwood, SC · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,202 sits at the 25th percentile of structural peers — worth a closer look.
- Net worth ratio of 7.81% sits at the 8th percentile of structural peers — worth a closer look.
- Cost of funds of 0.21% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 93.83% sits at the 85th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | EMERALD CREDIT ASSOCIATION | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $10.94M | 5th pct | 30th pct |
| Members | 1,202 | 12th pct | 25th pct |
| Net worth ratio | 7.81% | 4th pct | 8th pct |
| Return on average assets | 0.33% | 32th pct | 30th pct |
| Net interest margin | 4.75% | 86th pct | 69th pct |
| Cost of funds | 0.21% | 15th pct | 10th pct |
| Loan-to-share | 73.28% | 74th pct | 51th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.43% | 68th pct | 69th pct |
| Loan growth YoY | -5.64% | 26th pct | 11th pct |
| Share growth YoY | 15.62% | 99th pct | 97th pct |
| Efficiency ratio | 93.83% | 80th pct | 85th pct |
structural peer set hash: b8590fc6eee0b4e7edcca728fbe8f8b9… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.