Sep, 30, 2025 — EMERALD CREDIT ASSOCIATION FEDERAL CREDIT UNION is a federal credit union headquartered in GREENWOOD, SC with 1 branch location and about $9.57 million in total assets. Opened 58 years ago in 1968, EMERALD CREDIT ASSOCIATION FEDERAL CREDIT UNION has about 1,219 members and employs 4 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | EMERALD CREDIT ASSOCIATION FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 2117 Kateway GREENWOOD, SC 29646 |
| Phone: | (864) 223-9135 |
| Fax: | (864) 223-9135 |
| Website: | https://www.emeraldcu.com |
| Branches: | 1 branch locations |
| Members: | 1,219 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 19047 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1968 |
| Last Audited: | May 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $9,570,869 |
| CEO/Manager: | Lisa A Norman |
| Chairperson: | Jeff Owens |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 1,411,521 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 0 |
| Unsecured Loans | 107,052 |
| Other Loans | 7,684,288 |
| TOTAL LOANS | 7,791,340 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -33,314 |
| Land And Building | 54,720 |
| Other Fixed Assets | 40,810 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 80,541 |
| All Other Assets | 0 |
| TOTAL ASSETS | 9,570,869 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 4,742 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 52,430 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 1,643,610 |
| Regular shares | 5,958,377 |
| All Other Shares & Deposits | 1,075,733 |
| TOTAL SHARES & DEPOSITS | 8,677,720 |
| TOTAL LIABILITIES | 8,734,892 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 835,977 |
| TOTAL EQUITY | 835,977 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 9,570,869 |
| INCOME & EXPENSE | |
| Loan Income | 341,863 |
| Investment Income | 39,991 |
| Other Income | 24,990 |
| Total Employee Compensation & Benefits | 188,819 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 213,027 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 9,355 |
| Cost of Funds | 23,722 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 33,864 |
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