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 0.28% above tier average
Key Concerns
Areas that may need attention
- - ROA 1.58% below tier average
- - Efficiency ratio 25.95% above tier (higher cost structure)
- - Delinquency rate 0.29% above tier average
- - Member decline: -4.4% YoY
- - Indirect Auto Concentration (%): Bottom 8.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,474
-4.4% YoY-1.6% QoQ
|
+858 |
2,615
-1.9% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
73% |
| Assets |
$32.2M
-5.0% YoY-0.3% QoQ
|
+$2.1M |
$30.1M
+2.1% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
62% |
| Loans |
$19.1M
-7.9% YoY-2.1% QoQ
|
+$3.4M |
$15.8M
-1.3% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
69% |
| Deposits |
$28.6M
-5.5% YoY+0.8% QoQ
|
+$2.9M |
$25.7M
+1.4% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
63% |
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| ROA |
-1.0%
+675.0% YoY+1076.3% QoQ
|
-1.6% |
0.6%
+10.8% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
Bottom 5.9% in tier |
| NIM |
4.2%
+2.6% YoY+2.3% QoQ
|
+0.3% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
64% |
| Efficiency Ratio |
108.5%
+20.7% YoY+16.5% QoQ
|
+26.0% |
82.6%
-2.3% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
Top 7.0% in tier |
| Delinquency Rate |
1.8%
+38.0% YoY-15.3% QoQ
|
+0.3 |
1.6%
-3.1% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
76% |
| Loan To Share |
67.0%
-2.6% YoY-2.8% QoQ
|
+6.3% |
60.6%
-3.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
60% |
| AMR |
$13,734
-2.2% YoY+1.3% QoQ
|
$-1K |
$14,783
-1.4% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
50% |
| CD Concentration |
10.5%
-1.3% YoY-3.3% QoQ
|
-13.9% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % |
12.0%
+2.2% YoY-10.0% QoQ
|
-1.8% | 13.8% | 11.2% | 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)