BlastPoint's Credit Union Scorecard
EMERALD CREDIT ASSOCIATION
Charter #19047 · SC
EMERALD CREDIT ASSOCIATION has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.95% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 4.7% in tier
- + Asset Growth Rate: Top 5.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.17% below tier average
- - Efficiency ratio 8.17% above tier (higher cost structure)
- - Member decline: -2.2% YoY
- - Net Worth Ratio: Bottom 6.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,213
-2.2% YoY-0.5% QoQ
|
-1.4K |
2,615
-1.9% YoY
|
37,100
+2.2% YoY
|
33,374
+5.7% YoY
|
34% |
| Assets |
$10.1M
+12.7% YoY+5.2% QoQ
|
$-20.1M |
$30.1M
+2.1% YoY
|
$523.8M
+6.7% YoY
|
$561.6M
+9.7% YoY
|
32% |
| Loans |
$7.6M
-2.6% YoY-2.6% QoQ
|
$-8.2M |
$15.8M
-1.3% YoY
|
$367.9M
+7.3% YoY
|
$397.0M
+8.8% YoY
|
44% |
| Deposits |
$9.2M
+13.7% YoY+5.6% QoQ
|
$-16.5M |
$25.7M
+1.4% YoY
|
$439.0M
+5.8% YoY
|
$477.3M
+9.7% YoY
|
34% |
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| ROA |
0.5%
-38.6% YoY-4.4% QoQ
|
-0.2% |
0.6%
+10.8% YoY
|
1.0%
+5.1% YoY
|
0.7%
+15.9% YoY
|
37% |
| NIM |
4.9%
-4.2% YoY-1.5% QoQ
|
+1.0% |
4.0%
+4.0% YoY
|
4.2%
+0.5% YoY
|
3.8%
+5.1% YoY
|
84% |
| Efficiency Ratio |
90.7%
+5.3% YoY+0.5% QoQ
|
+8.2% |
82.6%
-2.3% YoY
|
76.9%
-0.6% YoY
|
79.7%
-3.3% YoY
|
76% |
| Delinquency Rate |
0.0%
-98.9% YoY-96.5% QoQ
|
-1.5 |
1.6%
-3.1% YoY
|
1.0%
+13.3% YoY
|
1.3%
-2.1% YoY
|
Bottom 12.6% in tier |
| Loan To Share |
82.8%
-14.4% YoY-7.8% QoQ
|
+22.2% |
60.6%
-3.1% YoY
|
71.5%
-0.9% YoY
|
67.4%
-1.7% YoY
|
82% |
| AMR |
$13,806
+8.1% YoY+2.2% QoQ
|
$-977 |
$14,783
-1.4% YoY
|
$16,782
+2.9% YoY
|
$19,687
+2.0% YoY
|
50% |
| CD Concentration |
5.5%
-16.0% YoY-15.1% QoQ
|
-19.0% | 24.4% | 17.8% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.9% | 7.8% | 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)