EMERALD CREDIT UNION, INC.
Charter #97077 · GARFIELD HTS, OH · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.06% sits at the 21st percentile of structural peers — worth a closer look.
- Return on average assets of -0.55% sits at the 10th percentile of structural peers — worth a closer look.
- Cost of funds of 0.33% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 2.83% sits at the 98th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 84th percentile but its structural peers at the 46th — a 38-point gap showing why the peer definition matters.
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 UNION, INC. | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $32.39M | 67th pct | 34th pct |
| Members | 3,457 | 84th pct | 46th pct |
| Net worth ratio | 9.06% | 11th pct | 21th pct |
| Return on average assets | -0.55% | 10th pct | 10th pct |
| Net interest margin | 4.12% | 63th pct | 57th pct |
| Cost of funds | 0.33% | 23th pct | 15th pct |
| Loan-to-share | 67.59% | 67th pct | 69th pct |
| Delinquency 60+ days | 0.71% | 56th pct | 51th pct |
| Net charge-off ratio | 2.83% | 97th pct | 98th pct |
| Loan growth YoY | -0.21% | 69th pct | 67th pct |
| Share growth YoY | 1.74% | 42th pct | 41th pct |
| Efficiency ratio | 91.29% | 76th pct | 67th pct |
structural peer set hash: e8514ecd152d33945d2a17eb45603fc8… (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.