BlastPoint's Credit Union Scorecard
EMERALD CREDIT ASSOCIATION
Charter #19047 · SC
EMERALD CREDIT ASSOCIATION has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.88% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
Key Concerns
Areas that may need attention
- - ROA 1.15% below tier average
- - Efficiency ratio 3.84% above tier (higher cost structure)
- - Member decline: -3.6% YoY
- - Net Worth Ratio: Bottom 6.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 23 that size in South Carolina.
- Shares and deposits +7.6% year over year ($9.4M in shares and deposits).
- Membership: 1,193 members, -3.6% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 0.34%.
- Efficiency ratio 92.61% vs a 88.77% peer average.
- Loan-to-share ratio 77.28% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,193
-3.6% YoY-0.7% QoQ
|
-1.4K |
2,585
-1.7% YoY
|
38,222
+5.6% YoY
|
34,678
+6.6% YoY
|
33% |
| Assets |
$10.3M
+7.3% YoY-5.9% QoQ
|
$-20.0M |
$30.3M
+1.5% YoY
|
$548.9M
+9.6% YoY
|
$593.1M
+10.2% YoY
|
32% |
| Loans |
$7.3M
-8.6% YoY-1.4% QoQ
|
$-8.2M |
$15.5M
-1.7% YoY
|
$385.7M
+10.8% YoY
|
$418.6M
+10.1% YoY
|
43% |
| Deposits |
$9.4M
+7.6% YoY-6.5% QoQ
|
$-16.4M |
$25.8M
+1.1% YoY
|
$462.6M
+9.2% YoY
|
$504.8M
+10.3% YoY
|
34% |
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| ROA |
0.3%
-19.2% YoY+9.5% QoQ
|
-1.1% |
1.5%
+241.5% YoY
|
0.9%
-19.6% YoY
|
1.2%
+121.4% YoY
|
21% |
| NIM |
4.8%
-2.3% YoY+4.7% QoQ
|
+0.9% |
3.9%
+0.9% YoY
|
4.2%
-1.3% YoY
|
3.8%
+2.3% YoY
|
84% |
| Efficiency Ratio |
92.6%
+2.3% YoY-1.3% QoQ
|
+3.8% |
88.8%
-6.9% YoY
|
79.7%
+5.8% YoY
|
83.0%
-5.3% YoY
|
76% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+2.1% YoY
|
1.1%
+14.2% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
77.3%
-15.1% YoY+5.5% QoQ
|
+18.4% |
58.9%
-3.1% YoY
|
70.2%
-0.9% YoY
|
66.4%
-1.4% YoY
|
77% |
| AMR |
$13,943
+3.6% YoY-3.6% QoQ
|
$-1K |
$14,963
-6.8% YoY
|
$17,221
+4.1% YoY
|
$20,028
-0.9% YoY
|
50% |
| CD Concentration |
6.3%
+3.2% YoY+4.0% QoQ
|
-18.3% | 24.6% | 18.3% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.0% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)