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EMERALD CREDIT ASSOCIATION FEDERAL CREDIT UNION

Dec, 31, 2020 — EMERALD CREDIT ASSOCIATION FEDERAL CREDIT UNION is a federal credit union headquartered in Greenwood, SC with 1 branch location and about $8.17 million in total assets. Opened 53 years ago in 1968, EMERALD CREDIT ASSOCIATION FEDERAL CREDIT UNION has about 1,299 members and employs 3 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:http://www.emeraldcu.com
Branches:1 branch locations
Members:1,299
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, 2020
FHLB Member:No
Low Income Designation:No
Assets:$8,167,923
CEO/Manager:Lisa A Norman
Chairperson:Jeff Owens

Call Report

  • Overdraft Lines of Credit
  • Risk Based Loans
  • Payday Alternative Loans (PAL Loans)
  • ATM/Debit Card Program
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 2,742,148
TOTAL INVESTMENTS 37,073
Loans Held for Sale 0
 
 Real Estate Loans 0
 Unsecured Loans 127,468
 Other Loans 5,131,484
 TOTAL LOANS 5,258,952
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -23,000
 Land And Building 52,655
 Other Fixed Assets 3,770
 NCUSIF Deposit 64,852
 All Other Assets 31,473
  TOTAL ASSETS 8,167,923
LIABILITIES & CAPITAL:  
 Dividends Payable 1,575
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 56,562
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 1,490,916
 Regular shares 4,902,675
 All Other Shares & Deposits 1,084,790
  TOTAL SHARES & DEPOSITS 7,478,381
  TOTAL LIABILITIES 7,536,518
 Regular Reserve 156,080
 Other Reserves 0
 Undivided Earnings 475,325
  TOTAL EQUITY 631,405
  TOTAL LIABILITIES, SHARES, & EQUITY 8,167,923
INCOME & EXPENSE  
 Loan Income 268,554
 Investment Income 11,256
 Other Income 127,318
 Total Employee Compensation & Benefits 195,431
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 203,248
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 0
 Cost of Funds 7,829
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 620
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