Credit Union Safety Analysis
Is Emerald Empire Federal Credit Union Safe? Springfield, Oregon
Based on its Q2 2026 NCUA 5300 call report, Emerald Empire Federal Credit Union has a net worth ratio of 20.16%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.64%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Emerald Empire Federal Credit Union's net worth ratio is 20.16%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 20.16%
- Delinquency ratio (60+ days) (Q2 2026): 0.64%
- Return on assets (Q2 2026): -0.06%
- Loan-to-share ratio (Q2 2026): 91.99%
Emerald Empire Federal Credit Union (NCUA charter 9877, established 1954) reported $28.8M in assets and 2,547 members for Q2 2026 from Springfield, Oregon. It ranks 42 of 47 credit unions in Oregon by total assets. Total assets grew 1.7% from $28.3M on June 30, 2025. It has 25 more members than on June 30, 2025 (+1.0%). Its net worth ratio was down 0.16 percentage points from 20.32% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $14.2M of $21.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.64% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 20.13% for Q1 2026; 20.32% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.55% for Q1 2026; 0.12% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: -0.09% for Q1 2026; 0.57% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 90.56% for Q1 2026; 92.95% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $14.2M
- New vehicle loans: $2.5M
- Used vehicle loans: $1.7M
- Other unsecured loans and lines of credit: $1.0M
- Commercial loans: $859K
- Other secured non-real estate loans and lines of credit: $681K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $28.8M | 20.16% | 0.64% | -0.06% | 91.99% |
| March 31, 2026 | $28.9M | 20.13% | 0.55% | -0.09% | 90.56% |
| December 31, 2025 | $27.7M | 21.04% | 0.33% | 0.19% | 92.39% |
| September 30, 2025 | $28.3M | 20.54% | 0.40% | 0.91% | 91.54% |
| June 30, 2025 | $28.3M | 20.32% | 0.12% | 0.57% | 92.95% |
| March 31, 2025 | $27.5M | 20.79% | 0.08% | 0.84% | 96.83% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Emerald Empire Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 9877) · FFIEC NIC profile (RSSD 922081)
Frequently asked questions
Is Emerald Empire Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Emerald Empire Federal Credit Union's net worth ratio is 20.16%, above the 7% NCUA threshold for well capitalized.
Is Emerald Empire Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Emerald Empire Federal Credit Union is a federally insured credit union (NCUA charter 9877): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Emerald Empire Federal Credit Union's key safety ratios?
For Q2 2026, Emerald Empire Federal Credit Union reports net worth 20.16%, delinquency 0.64%, ROA -0.06%, loan-to-share 91.99%.
What happens to my money if Emerald Empire Federal Credit Union fails?
For Q2 2026, Emerald Empire Federal Credit Union held $22.8M in shares and deposits for 2,547 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.