Emerald Credit Association Federal Credit Union Greenwood, South Carolina
Emerald Credit Association Federal Credit Union is a federal credit union headquartered in Greenwood, SC, established in 1968 (NCUA charter 19047), and it is regulated and insured by the NCUA. At Q2 2026 it reported 1,193 members and total assets of $10.3M (up 7.3% from Q2 2025), the 41st largest of 45 credit unions headquartered in South Carolina. Its net worth ratio was 8.39% at Q2 2026, in the well capitalized band.
Also written as Emerald Credit Association FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 19047
- Headquarters
- Greenwood, SC
- Established
- 1968
- Total assets, Q2 2026
- $10.3M
- Assets vs Q2 2025
- +7.3%
- Members, Q2 2026
- 1,193
- Net worth ratio, Q2 2026
- 8.39%
- Latest call report
- Q2 2026, NCUA 5300 · Emerald Credit Association Federal Credit Union call report
- Asset rank in state
- 41st of 45 in South Carolina
- Routing number
- 253279358
- Branches
- 2
It has 44 fewer members than on June 30, 2025 (-3.6%). Its net worth ratio was down 0.18 percentage points from 8.57% on June 30, 2025. Used vehicle loans are its largest loan category, $4.8M of $7.3M in total loans on its June 30, 2026 filing.
Credit unions similar in size in South Carolina
Frequently asked about Emerald Credit Association Federal Credit Union
How big is Emerald Credit Association Federal Credit Union?
At Q2 2026 it reported total assets of $10.3M and 1,193 members.
Where is Emerald Credit Association Federal Credit Union headquartered?
It is headquartered in Greenwood, SC, United States.
When was Emerald Credit Association Federal Credit Union founded?
It was established in 1968, per NCUA records.
Is Emerald Credit Association Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 19047): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Emerald Credit Association Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Emerald Credit Association Federal Credit Union well capitalized?
Its net worth ratio was 8.39% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Emerald Credit Association Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 77.28% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Greenwood, SC 29646
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1968
- NCUA Charter #
- 19047
- RSSD ID
- 260886
- Members
- 1,193
- Potential members
- 70,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 2 of 6 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 8.39% | 14.31% | under 10th bottom |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.38% | 0.72% | 35th below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 4.48% | 4.74% | 48th below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 5.01% | 3.93% | 86th top |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 91.42% | 79.83% | 25th below |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.17% | 0.78% | 89th top |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | not on file | 0.86% | not on file |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 5.17% | 4.70% | 69th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 77.28% | 58.92% | 77th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$10.3M total assets against $9.6M; $9.4M total shares and deposits against $8.7M; $7.3M total loans against $7.9M.
$865K net worth against $823K.
8.39% net worth ratio against 8.57%.
77.28% loan-to-share ratio against 90.97%.
0.38% return on assets against 0.40%; 4.48% return on equity against 4.63%.
5.01% net interest margin against 4.97%.
1,193 members against 1,237.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 8.39% | 0.38% | — | 77.28% |
| March 31, 2026 | 7.81% | 0.31% | — | 73.28% |
| December 31, 2025 | 8.41% | 0.41% | 0.01% | 82.80% |
| September 30, 2025 | 8.73% | 0.55% | 0.17% | 89.79% |
| June 30, 2025 | 8.57% | 0.40% | — | 90.97% |
| March 31, 2025 | 8.30% | 0.45% | — | 86.43% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.