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EMERALD CREDIT UNION, INC

Jun, 30, 2021 — EMERALD CREDIT UNION, INC is a non-federally insured state credit union headquartered in GARFIELD HTS, OH with 1 branch location and about $40.13 million in total assets. Opened 66 years ago in 1955, EMERALD CREDIT UNION, INC has about 4,923 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:http://www.emeraldgcu.com
Branches:1 branch locations
Members:4,923
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:$40,133,730
CEO/Manager:WENDY J DRIVER
Chairperson:RICHARD A STEFANKO

Call Report

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 2,908,393
TOTAL INVESTMENTS 13,252,087
Loans Held for Sale 0
 
 Real Estate Loans 9,077,325
 Unsecured Loans 3,065,515
 Other Loans 9,539,952
 TOTAL LOANS 21,682,792
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -447,012
 Land And Building 503,017
 Other Fixed Assets 49,333
 NCUSIF Deposit 0
 All Other Assets 2,185,120
  TOTAL ASSETS 40,133,730
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 514,579
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 7,121,478
 Regular shares 25,644,838
 All Other Shares & Deposits 3,847,024
  TOTAL SHARES & DEPOSITS 36,613,340
  TOTAL LIABILITIES 37,127,919
 Regular Reserve 1,377,213
 Other Reserves 8,244
 Undivided Earnings 1,620,354
  TOTAL EQUITY 3,005,811
  TOTAL LIABILITIES, SHARES, & EQUITY 40,133,730
INCOME & EXPENSE  
 Loan Income 557,399
 Investment Income 63,668
 Other Income 188,863
 Total Employee Compensation & Benefits 458,834
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 494,541
 Non-operating Income & (Expense) -3,918
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 2,713
 Cost of Funds 19,365
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) -16,890
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