BlastPoint's Credit Union Scorecard
EMERALD CREDIT ASSOCIATION
Charter #19047 · SC
EMERALD CREDIT ASSOCIATION has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.05% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 8.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.21% below tier average
- - Efficiency ratio 8.90% above tier (higher cost structure)
- - Member decline: -3.1% YoY
- - Net Worth Ratio: Bottom 7.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,219
-3.1% YoY-1.5% QoQ
|
-1.4K |
2,625
-2.2% YoY
|
37,124
+2.2% YoY
|
33,089
+6.1% YoY
|
34% |
| Assets |
$9.6M
+7.0% YoY-0.3% QoQ
|
$-20.3M |
$29.9M
+1.1% YoY
|
$514.3M
+4.6% YoY
|
$547.7M
+7.8% YoY
|
31% |
| Loans |
$7.8M
+8.1% YoY-1.8% QoQ
|
$-8.0M |
$15.8M
-2.4% YoY
|
$362.8M
+7.0% YoY
|
$388.7M
+8.6% YoY
|
44% |
| Deposits |
$8.7M
+7.2% YoY-0.5% QoQ
|
$-16.8M |
$25.5M
+0.4% YoY
|
$433.3M
+6.0% YoY
|
$464.6M
+9.3% YoY
|
34% |
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| ROA |
0.5%
-38.3% YoY+10.6% QoQ
|
-0.2% |
0.7%
-731.4% YoY
|
1.2%
+18.8% YoY
|
0.7%
+273.4% YoY
|
35% |
| NIM |
5.0%
-1.7% YoY+1.9% QoQ
|
+1.0% |
3.9%
+3.8% YoY
|
4.3%
+2.6% YoY
|
3.7%
+5.0% YoY
|
Top 14.6% in tier |
| Efficiency Ratio |
90.3%
+4.6% YoY-0.2% QoQ
|
+8.9% |
81.4%
-2.4% YoY
|
75.1%
-1.9% YoY
|
79.1%
-3.3% YoY
|
77% |
| Delinquency Rate |
0.2%
-22.5% YoY
|
-1.3 |
1.5%
-2.0% YoY
|
0.9%
+10.3% YoY
|
1.2%
-0.9% YoY
|
25% |
| Loan To Share |
89.8%
+0.8% YoY-1.3% QoQ
|
+28.6% |
61.2%
-3.0% YoY
|
71.3%
-1.2% YoY
|
68.0%
-1.7% YoY
|
Top 11.1% in tier |
| AMR |
$13,510
+11.1% YoY+0.3% QoQ
|
$-1K |
$14,627
-2.7% YoY
|
$16,641
+2.9% YoY
|
$19,418
+1.3% YoY
|
49% |
| CD Concentration |
6.4%
+0.5% YoY+5.6% QoQ
|
-18.0% |
24.4%
+4.2% YoY
|
17.4%
+3.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.9%
-5.3% YoY
|
7.9%
-2.9% YoY
|
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)