Sep, 30, 2025 — EMERALD CREDIT UNION, INC is a non-federally insured state credit union headquartered in GARFIELD HTS, OH with 1 branch location and about $32.34 million in total assets. Opened 71 years ago in 1955, EMERALD CREDIT UNION, INC has about 3,532 members and employs 13 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 UNION, INC |
|---|---|
| Address: (Main Office) | 13201 GRANGER RD STE 1 GARFIELD HTS, OH 44125 |
| Phone: | (216) 581-5581 |
| Fax: | (216) 265-1000 |
| Website: | https://www.emeraldgcu.com |
| Branches: | 1 branch locations |
| Members: | 3,532 |
| Credit Union Type: | Non-Federally Insured State Credit Union |
| Charter Number: | 97077 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1955 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $32,339,977 |
| CEO/Manager: | LINDSAY ANDEXLER |
| Chairperson: | RICHARD A STEFANKO |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 1,912,673 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 10,417,806 |
| Unsecured Loans | 2,557,108 |
| Other Loans | 6,564,024 |
| TOTAL LOANS | 19,538,938 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -436,710 |
| Land And Building | 503,017 |
| Other Fixed Assets | 42,431 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 0 |
| All Other Assets | 0 |
| TOTAL ASSETS | 32,339,977 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 720,787 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 6,435,844 |
| Regular shares | 17,391,163 |
| All Other Shares & Deposits | 4,527,633 |
| TOTAL SHARES & DEPOSITS | 28,354,641 |
| TOTAL LIABILITIES | 29,075,428 |
| Regular Reserve | 0 |
| Other Reserves | -2,245 |
| Undivided Earnings | 3,266,794 |
| TOTAL EQUITY | 3,264,549 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 32,339,977 |
| INCOME & EXPENSE | |
| Loan Income | 861,208 |
| Investment Income | 254,380 |
| Other Income | 206,327 |
| Total Employee Compensation & Benefits | 628,862 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 724,768 |
| Non-operating Income & (Expense) | 60,194 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 119,592 |
| Cost of Funds | 86,708 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | -20,198 |
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