BlastPoint's Credit Union Scorecard
EMERALD CREDIT UNION, INC.
Charter #97077 · OH
EMERALD CREDIT UNION, INC. has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.20% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.76% below tier average
- - Efficiency ratio 11.77% above tier (higher cost structure)
- - Delinquency rate 0.67% above tier average
- - Member decline: -5.9% YoY
- - Indirect Auto Concentration (%): Bottom 7.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,532
-5.9% YoY-1.1% QoQ
|
+906 |
2,625
-2.2% YoY
|
16,553
+5.8% YoY
|
33,089
+6.1% YoY
|
74% |
| Assets |
$32.3M
-1.9% YoY-4.9% QoQ
|
+$2.5M |
$29.9M
+1.1% YoY
|
$245.2M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
62% |
| Loans |
$19.5M
-0.6% YoY-3.2% QoQ
|
+$3.8M |
$15.8M
-2.4% YoY
|
$170.6M
+8.7% YoY
|
$388.7M
+8.6% YoY
|
69% |
| Deposits |
$28.4M
-3.1% YoY-5.6% QoQ
|
+$2.9M |
$25.5M
+0.4% YoY
|
$209.1M
+9.7% YoY
|
$464.6M
+9.3% YoY
|
63% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
-0.1%
-56.1% YoY-51.1% QoQ
|
-0.8% |
0.7%
-731.4% YoY
|
0.5%
-7.3% YoY
|
0.7%
+273.4% YoY
|
Bottom 14.3% in tier |
| NIM |
4.1%
+0.5% YoY+3.9% QoQ
|
+0.2% |
3.9%
+3.8% YoY
|
3.7%
+3.3% YoY
|
3.7%
+5.0% YoY
|
59% |
| Efficiency Ratio |
93.2%
+3.7% YoY+0.0% QoQ
|
+11.8% |
81.4%
-2.4% YoY
|
83.9%
+3.6% YoY
|
79.1%
-3.3% YoY
|
81% |
| Delinquency Rate |
2.2%
+224.1% YoY-13.5% QoQ
|
+0.7 |
1.5%
-2.0% YoY
|
1.5%
+29.9% YoY
|
1.2%
-0.9% YoY
|
82% |
| Loan To Share |
68.9%
+2.6% YoY+2.6% QoQ
|
+7.7% |
61.2%
-3.0% YoY
|
63.8%
-2.4% YoY
|
68.0%
-1.7% YoY
|
61% |
| AMR |
$13,560
+4.1% YoY-3.6% QoQ
|
$-1K |
$14,627
-2.7% YoY
|
$17,099
+5.9% YoY
|
$19,418
+1.3% YoY
|
49% |
| CD Concentration |
10.9%
+13.3% YoY+2.7% QoQ
|
-13.5% |
24.4%
+4.2% YoY
|
19.2%
+8.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
13.4%
+116.3% YoY-7.5% QoQ
|
-0.6% |
14.0%
-5.7% YoY
|
11.2%
-0.8% 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)