credit union · NCUA 19047 · SC
How big is EMERALD CREDIT ASSOCIATION?
EMERALD CREDIT ASSOCIATION (SC, NCUA charter 19047) reported total assets of $10.3M, 1,193 members and a net worth ratio of 8.39% in its Call Report for 2026Q2. That ranks 3511 of 4,299 federally insured credit unions by assets, 1118 of 1,135 among credit unions with $10m-$50m in assets, 41 of 45 credit unions in south carolina.
What stands out
EMERALD CREDIT ASSOCIATION (SC, NCUA charter 19047) reported total assets of $10.3M, 1,193 members and a net worth ratio of 8.39% in its Call Report for 2026Q2. That ranks 3511 of 4,299 federally insured credit unions by assets, 1118 of 1,135 among credit unions with $10m-$50m in assets, 41 of 45 credit unions in south carolina. Against its size class: net worth ratio 8.39%, below the peer median of 13.88%; loan-to-share ratio 77.28%, above the peer median of 57.77%; return on assets 0.35%, below the peer median of 0.70%. At 8.39% its net worth ratio is above the 7% NCUA threshold, which puts it in the "well capitalised" band of prompt corrective action; the regulator applies further tests, this page does not.
Key figures, 2026Q2
As filed with the NCUA; ratios computed by FACTANKER. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2026Q2 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $10.3M | $25.2M | $98.3M | $68.3M | record → |
| Shares and deposits | $9.4M | $21.4M | $80.4M | $58.3M | record → |
| Loans outstanding | $7.3M | $11.2M | $64.9M | $34.4M | record → |
| Net income (year to date) | $18.3k | $82.1k | $408.8k | $222.2k | record → |
| Net worth | $864.6k | $3.4M | $19.8M | $9.0M | record → |
| Net worth ratio | 8.39% | 13.88% | 13.62% | 12.65% | record → |
| Loan-to-share ratio | 77.28% | 57.77% | 71.91% | 68.70% | computed |
| Return on assets | 0.35% | 0.70% | 0.85% | 0.71% | computed |
| Members | 1,193 | 2,092 | 9,129 | 4,818 | record → |
Quarter by quarter
45 Call Reports on record, 2015Q2–2026Q2; the 40 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2026Q2 | $10.3M | $9.4M | $7.3M | $18.3k | 8.39% | 1,193 | 3511 |
| 2026Q1 | $10.9M | $10.0M | $7.4M | $8.6k | 7.81% | 1,202 | 3496 |
| 2025Q4 | $10.1M | $9.2M | $7.6M | $44.2k | 8.41% | 1,213 | 3563 |
| 2025Q3 | $9.6M | $8.7M | $7.8M | $33.9k | 8.73% | 1,219 | 3607 |
| 2025Q2 | $9.6M | $8.7M | $7.9M | $20.7k | 8.57% | 1,237 | 3634 |
| 2025Q1 | $9.8M | $8.9M | $7.7M | $11.1k | 8.30% | 1,232 | 3660 |
| 2024Q4 | $8.9M | $8.1M | $7.8M | $65.5k | 8.98% | 1,240 | 3723 |
| 2024Q3 | $8.9M | $8.1M | $7.2M | $51.5k | 8.81% | 1,258 | 3752 |
| 2024Q2 | $9.1M | $8.2M | $7.3M | $30.3k | 8.47% | 1,264 | 3772 |
| 2024Q1 | $9.2M | $8.4M | $7.0M | $12.6k | 8.15% | 1,266 | 3797 |
| 2023Q4 | $9.1M | $8.2M | $6.9M | $87.1k | 8.13% | 1,263 | 3823 |
| 2023Q3 | $9.2M | $8.4M | $6.6M | $58.3k | 7.69% | 1,276 | 3846 |
| 2023Q2 | $9.3M | $8.5M | $6.3M | $33.7k | 7.38% | 1,267 | 3880 |
| 2023Q1 | $9.5M | $8.8M | $6.1M | $10.8k | 6.92% | 1,252 | 3882 |
| 2022Q4 | $9.2M | $8.5M | $5.9M | $15.2k | 7.07% | 1,259 | 3935 |
| 2022Q3 | $9.5M | $8.8M | $5.6M | $4.3k | 6.71% | 1,249 | 3959 |
| 2022Q2 | $9.5M | $8.9M | $5.4M | $-6.8k | 6.58% | 1,254 | 3981 |
| 2022Q1 | $9.4M | $8.7M | $5.5M | $-9.6k | 6.67% | 1,260 | 4024 |
| 2021Q4 | $9.0M | $8.4M | $5.3M | $2.9k | 7.02% | 1,261 | 4052 |
| 2021Q3 | $9.1M | $8.4M | $5.1M | $6.0k | 7.02% | 1,269 | 4080 |
| 2021Q2 | $8.8M | $8.2M | $5.4M | $5.6k | 7.21% | 1,283 | 4121 |
| 2021Q1 | $8.6M | $7.9M | $5.3M | $4.1k | 7.41% | 1,292 | 4153 |
| 2020Q4 | $8.2M | $7.5M | $5.3M | $620 | 7.73% | 1,299 | 4172 |
| 2020Q3 | $8.4M | $7.8M | $5.0M | $-1.9k | 7.44% | 1,316 | 4161 |
| 2020Q2 | $8.3M | $7.6M | $4.9M | $-3.0k | 7.59% | 1,309 | 4172 |
| 2020Q1 | $7.5M | $6.8M | $4.6M | $893 | 8.45% | 1,296 | 4222 |
| 2019Q4 | $7.2M | $6.5M | $4.6M | $25.5k | 8.81% | 1,278 | 4263 |
| 2019Q3 | $7.1M | $6.4M | $4.6M | $19.5k | 8.83% | 1,290 | 4298 |
| 2019Q2 | $7.1M | $6.4M | $4.4M | $12.7k | 8.71% | 1,300 | 4316 |
| 2019Q1 | $7.2M | $6.5M | $4.3M | $4.7k | 8.49% | 1,308 | 4325 |
| 2018Q4 | $6.9M | $6.2M | $4.2M | $19.4k | 8.78% | 1,308 | 4373 |
| 2018Q3 | $6.9M | $6.3M | $4.2M | $13.9k | 8.64% | 1,310 | 4400 |
| 2018Q2 | $6.9M | $6.3M | $4.2M | $9.1k | 8.62% | 1,327 | 4430 |
| 2018Q1 | $6.9M | $6.3M | $4.3M | $5.3k | 8.54% | 1,336 | 4457 |
| 2017Q4 | $6.4M | $5.8M | $4.3M | $22.4k | 9.15% | 1,319 | 4530 |
| 2017Q3 | $6.7M | $6.1M | $4.3M | $17.6k | 8.61% | 1,329 | 4535 |
| 2017Q2 | $6.6M | $6.0M | $4.1M | $9.3k | 8.62% | 1,312 | 4582 |
| 2017Q1 | $6.5M | $5.9M | $3.9M | $3.7k | 8.71% | 1,306 | 4626 |
| 2016Q4 | $6.2M | $5.6M | $4.1M | $32.6k | 9.07% | 1,297 | 4680 |
| 2016Q3 | $6.2M | $5.6M | $4.2M | $25.7k | 9.00% | 1,307 | 4707 |
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