BlastPoint's Credit Union Scorecard
EMERALD CREDIT ASSOCIATION
Charter #19047 · SC
EMERALD CREDIT ASSOCIATION has 5 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.17% above tier average
- + Net Interest Margin 0.56% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Asset Growth Rate: Top 5.3% in tier
- + Deposit Growth Rate: Top 5.7% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 3.20% above tier (higher cost structure)
- - Member decline: -2.4% YoY
- - Net Worth Ratio: Bottom 4.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,202
-2.4% YoY-0.9% QoQ
|
-1.5K |
2,676
+1.6% YoY
|
37,268
+3.6% YoY
|
33,913
+5.7% YoY
|
33% |
| Assets |
$10.9M
+11.7% YoY+8.7% QoQ
|
$-19.2M |
$30.2M
+1.3% YoY
|
$534.3M
+6.5% YoY
|
$578.3M
+9.0% YoY
|
34% |
| Loans |
$7.4M
-4.7% YoY-3.1% QoQ
|
$-7.9M |
$15.3M
-2.0% YoY
|
$369.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
44% |
| Deposits |
$10.0M
+12.4% YoY+9.5% QoQ
|
$-15.7M |
$25.8M
+0.7% YoY
|
$450.9M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
36% |
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| ROA |
0.3%
-33.9% YoY-30.3% QoQ
|
+0.2% |
0.1%
-77.6% YoY
|
0.7%
-43.3% YoY
|
0.4%
-39.2% YoY
|
36% |
| NIM |
4.6%
-9.4% YoY-7.0% QoQ
|
+0.6% |
4.0%
+4.0% YoY
|
4.1%
-0.5% YoY
|
3.8%
+4.1% YoY
|
78% |
| Efficiency Ratio |
93.8%
+2.3% YoY+3.4% QoQ
|
+3.2% |
90.6%
+6.5% YoY
|
81.4%
+7.0% YoY
|
84.6%
+2.8% YoY
|
76% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+3.8% YoY
|
0.8%
+19.1% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
73.3%
-15.2% YoY-11.5% QoQ
|
+14.8% |
58.5%
-3.0% YoY
|
69.5%
-0.5% YoY
|
65.6%
-1.4% YoY
|
72% |
| AMR |
$14,464
+7.1% YoY+4.8% QoQ
|
$-421 |
$14,884
-1.7% YoY
|
$16,971
+2.3% YoY
|
$19,920
+1.6% YoY
|
53% |
| CD Concentration |
6.0%
+0.5% YoY+10.7% QoQ
|
-18.2% | 24.3% | 18.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.9% | 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)