# EMERALD CREDIT UNION, INC.
GARFIELD HTS, OH · NCUA charter 97077 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/emerald-credit-union-inc-97077

Who the members are: state charter, organized 1955. 3,457 members of 10,000 potential (34.6% of the field); checking penetration 51% (share draft accounts per 100 members); loans per 100 members 123.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $32.4M |
| Members | 3,457 (-2.8% YoY) |
| Full-time staff | 12 |
| Net worth | $2.9M |
| Net worth ratio | 9.1% (p10 of band) |
| ROA (annualized) | -0.55% (p15 of band) |
| Total delinquency | 0.71% (p52 of band) |
| Net charge-offs (annualized) | 2.81% (p95 of band) |
| Loans / shares | 68% (p64 of band) |
| Cash / assets | 7.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.11% (p60 of band) |
| Operating expense / assets | 5.34% (p83 of band) |
| Vehicles % of loans | 35% (p22 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 45% |
| Third-party paper % of net worth | 208% (p99 of band) |
| Vehicle delinquency | 0.68% (p57 of band) |
| Vehicle NCO | 0.39% (p79 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 52% |
| Credit cards % of loans | 10% |
| Unsecured % of loans | 12% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 85% |
| Certificates % of member funds | 11% |
| Average share balance | $4,502 |
| Participations bought / yr | $4.0M |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 123% |
| Loans granted per 100 members, annualized | 344% |
| Average loan balance | $4,586 |
| Loans granted, annualized | $8.7M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **charge-offs p90** (`aq_nco_high`)
- **assets shrinking** (`shrink_assets`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | thin capital |
| 2016-12 | 0 |  |  |
| 2017-03 | 3 | assets shrinking, members leaving, loan book shrinking |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 1 |  | members leaving, loan book shrinking |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 2 | delinquency rising |  |
| 2018-09 | 1 | losing money | assets shrinking, delinquency rising |
| 2018-12 | 7 | net worth falling, expense trap, delinquency 2x band, delinquency rising, charge-offs p90, assets shrinking |  |
| 2019-03 | 7 | members leaving | expense trap |
| 2019-06 | 5 |  | delinquency rising, assets shrinking |
| 2019-09 | 6 | delinquency rising, assets shrinking | net worth falling |
| 2019-12 | 5 |  | delinquency rising |
| 2020-03 | 8 | thin capital, net worth falling, expense trap |  |
| 2020-06 | 7 | margin squeeze | delinquency 2x band, assets shrinking |
| 2020-09 | 6 |  | net worth falling |
| 2020-12 | 7 | delinquency 2x band |  |
| 2021-03 | 7 | net worth falling | expense trap |
| 2021-06 | 4 |  | charge-offs p90, margin squeeze, net worth falling |
| 2021-09 | 5 | expense trap |  |
| 2021-12 | 6 | charge-offs p90 |  |
| 2022-03 | 7 | assets shrinking, 3rd-party paper>100% NW | expense trap |
| 2022-06 | 5 |  | delinquency 2x band, assets shrinking |
| 2022-09 | 3 |  | losing money, charge-offs p90 |
| 2022-12 | 1 |  | thin capital, 3rd-party paper>100% NW |
| 2023-03 | 3 | charge-offs p90, assets shrinking |  |
| 2023-06 | 2 |  | charge-offs p90 |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | 3rd-party paper>100% NW |  |
| 2024-03 | 4 | losing money, charge-offs p90 | 3rd-party paper>100% NW |
| 2024-06 | 4 | loan book shrinking | charge-offs p90 |
| 2024-09 | 5 | charge-offs p90 |  |
| 2024-12 | 4 | delinquency rising, 3rd-party paper>100% NW | assets shrinking, loan book shrinking, charge-offs p90 |
| 2025-03 | 6 | net worth falling, delinquency 2x band |  |
| 2025-06 | 5 |  | net worth falling |
| 2025-09 | 5 |  |  |
| 2025-12 | 5 | assets shrinking | delinquency rising |
| 2026-03 | 5 | net worth falling, charge-offs p90 | members leaving, delinquency 2x band |

## In the news (Google News, unfiltered, newest first; check the city)

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=97077 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/53.json (key "97077", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=97077
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide