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EMERALD CREDIT UNION, INC

Mar, 31, 2021 — EMERALD CREDIT UNION, INC is a non-federally insured state credit union headquartered in GARFIELD HTS, OH with 1 branch location and about $41.32 million in total assets. Opened 66 years ago in 1955, EMERALD CREDIT UNION, INC has about 5,012 members and employs 14 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:http://www.emeraldgcu.com
Branches:1 branch locations
Members:5,012
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, 2020
FHLB Member:No
Low Income Designation:No
Assets:$41,321,368
CEO/Manager:WENDY J DRIVER
Chairperson:RICHARD A STEFANKO

Call Report

  • Indirect Mortgage Loans
  • Overdraft Protection
  • Participation Loans
  • Pay Day Loans
  • Real Estate Loans
  • Risk Based Loans
  • Share Secured Credit Cards
  • ATM/Debit Card Program
  • Commercial Share Accounts
  • Check Cashing

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 7,756,006
TOTAL INVESTMENTS 11,679,755
Loans Held for Sale 0
 
 Real Estate Loans 8,549,079
 Unsecured Loans 3,273,224
 Other Loans 7,861,723
 TOTAL LOANS 19,684,026
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -502,418
 Land And Building 503,017
 Other Fixed Assets 57,273
 NCUSIF Deposit 0
 All Other Assets 2,143,709
  TOTAL ASSETS 41,321,368
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 420,527
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 7,645,039
 Regular shares 25,577,664
 All Other Shares & Deposits 4,710,450
  TOTAL SHARES & DEPOSITS 37,933,153
  TOTAL LIABILITIES 38,353,680
 Regular Reserve 1,331,803
 Other Reserves 9,314
 Undivided Earnings 1,626,571
  TOTAL EQUITY 2,967,688
  TOTAL LIABILITIES, SHARES, & EQUITY 41,321,368
INCOME & EXPENSE  
 Loan Income 274,459
 Investment Income 32,054
 Other Income 98,811
 Total Employee Compensation & Benefits 236,049
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 233,482
 Non-operating Income & (Expense) -4,028
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 44,007
 Cost of Funds 10,236
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) -56,085
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