credit union · NCUA 97077 · OH
How big is EMERALD CREDIT UNION, INC.?
EMERALD CREDIT UNION, INC. (OH, NCUA charter 97077) reported total assets of $32.7M, 3,309 members and a net worth ratio of 8.86% in its Call Report for 2026Q2. That ranks 2767 of 4,299 federally insured credit unions by assets, 374 of 1,135 among credit unions with $10m-$50m in assets, 128 of 192 credit unions in ohio.
What stands out
EMERALD CREDIT UNION, INC. (OH, NCUA charter 97077) reported total assets of $32.7M, 3,309 members and a net worth ratio of 8.86% in its Call Report for 2026Q2. That ranks 2767 of 4,299 federally insured credit unions by assets, 374 of 1,135 among credit unions with $10m-$50m in assets, 128 of 192 credit unions in ohio. Against its size class: net worth ratio 8.86%, below the peer median of 13.88%; loan-to-share ratio 64.69%, above the peer median of 57.77%; return on assets -0.51%, below the peer median of 0.70%. At 8.86% 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 | $32.7M | $25.2M | $65.8M | $68.3M | record → |
| Shares and deposits | $29.2M | $21.4M | $57.9M | $58.3M | record → |
| Loans outstanding | $18.9M | $11.2M | $30.5M | $34.4M | record → |
| Net income (year to date) | $-83.0k | $82.1k | $232.8k | $222.2k | record → |
| Net worth | $2.9M | $3.4M | $8.1M | $9.0M | record → |
| Net worth ratio | 8.86% | 13.88% | 12.10% | 12.65% | record → |
| Loan-to-share ratio | 64.69% | 57.77% | 64.09% | 68.70% | computed |
| Return on assets | -0.51% | 0.70% | 0.73% | 0.71% | computed |
| Members | 3,309 | 2,092 | 5,106 | 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 | $32.7M | $29.2M | $18.9M | $-83.0k | 8.86% | 3,309 | 2767 |
| 2026Q1 | $32.4M | $28.8M | $19.5M | $-44.8k | 9.06% | 3,457 | 2784 |
| 2025Q4 | $32.2M | $28.6M | $19.1M | $-308.3k | 9.24% | 3,474 | 2794 |
| 2025Q3 | $32.3M | $28.4M | $19.5M | $-20.2k | 10.34% | 3,532 | 2806 |
| 2025Q2 | $34.0M | $30.0M | $20.2M | $-28.5k | 9.81% | 3,570 | 2766 |
| 2025Q1 | $34.5M | $30.5M | $19.9M | $-29.4k | 9.66% | 3,557 | 2777 |
| 2024Q4 | $33.9M | $30.2M | $20.8M | $-41.2k | 9.91% | 3,634 | 2788 |
| 2024Q3 | $33.0M | $29.3M | $19.7M | $-46.5k | 10.43% | 3,754 | 2822 |
| 2024Q2 | $34.1M | $30.3M | $20.1M | $-17.5k | 10.17% | 3,839 | 2815 |
| 2024Q1 | $34.7M | $30.8M | $20.7M | $-7.0k | 10.04% | 3,857 | 2813 |
| 2023Q4 | $34.8M | $31.0M | $21.6M | $79.3k | 10.00% | 3,923 | 2809 |
| 2023Q3 | $35.2M | $31.3M | $22.2M | $41.9k | 10.02% | 4,053 | 2820 |
| 2023Q2 | $35.9M | $32.1M | $22.4M | $49.7k | 9.84% | 4,133 | 2807 |
| 2023Q1 | $37.1M | $33.3M | $22.5M | $20.2k | 9.46% | 4,198 | 2793 |
| 2022Q4 | $37.8M | $33.8M | $23.3M | $500.9k | 9.28% | 4,300 | 2774 |
| 2022Q3 | $38.2M | $34.3M | $23.5M | $375.7k | 8.85% | 4,391 | 2775 |
| 2022Q2 | $39.1M | $35.5M | $22.7M | $-22.0k | 7.65% | 4,521 | 2767 |
| 2022Q1 | $39.9M | $36.4M | $22.8M | $-6.3k | 7.52% | 4,598 | 2759 |
| 2021Q4 | $39.0M | $35.5M | $22.3M | $-5.5k | 7.72% | 4,705 | 2762 |
| 2021Q3 | $39.1M | $35.7M | $22.0M | $-18.3k | 7.66% | 4,789 | 2757 |
| 2021Q2 | $40.1M | $36.6M | $21.7M | $-16.9k | 7.47% | 4,923 | 2734 |
| 2021Q1 | $41.3M | $37.9M | $19.7M | $-56.1k | 7.15% | 5,012 | 2699 |
| 2020Q4 | $38.6M | $35.1M | $20.0M | $-351.2k | 7.81% | 5,088 | 2721 |
| 2020Q3 | $38.6M | $35.1M | $18.4M | $-280.2k | 7.99% | 5,211 | 2701 |
| 2020Q2 | $40.4M | $36.9M | $18.8M | $-289.9k | 7.61% | 5,286 | 2633 |
| 2020Q1 | $37.7M | $34.1M | $18.1M | $-116.1k | 8.61% | 5,362 | 2645 |
| 2019Q4 | $36.8M | $33.1M | $18.5M | $-551.2k | 9.14% | 5,401 | 2644 |
| 2019Q3 | $37.1M | $33.1M | $18.8M | $-309.6k | 9.73% | 5,588 | 2634 |
| 2019Q2 | $39.1M | $34.9M | $19.2M | $-118.9k | 9.70% | 5,751 | 2589 |
| 2019Q1 | $39.4M | $35.1M | $19.7M | $-48.3k | 9.82% | 5,744 | 2587 |
| 2018Q4 | $38.7M | $33.6M | $20.4M | $-196.8k | 10.12% | 5,719 | 2583 |
| 2018Q3 | $39.9M | $34.6M | $20.7M | $-6.9k | 10.30% | 5,934 | 2564 |
| 2018Q2 | $40.1M | $35.6M | $21.3M | $25.5k | 10.32% | 5,961 | 2575 |
| 2018Q1 | $41.5M | $37.0M | $20.9M | $23.9k | 9.96% | 5,934 | 2532 |
| 2017Q4 | $40.2M | $35.7M | $21.2M | $168.2k | 10.23% | 5,858 | 2548 |
| 2017Q3 | $41.0M | $36.5M | $21.2M | $178.9k | 10.05% | 5,870 | 2536 |
| 2017Q2 | $42.6M | $38.2M | $21.5M | $138.1k | 9.59% | 5,894 | 2517 |
| 2017Q1 | $42.8M | $38.4M | $21.4M | $130.4k | 9.52% | 5,899 | 2516 |
| 2016Q4 | $43.6M | $39.2M | $22.3M | $182.0k | 9.05% | 5,919 | 2468 |
| 2016Q3 | $43.7M | $39.4M | $22.5M | $181.9k | 9.02% | 6,011 | 2467 |
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