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EMERALD CREDIT UNION, INC

Mar, 31, 2022 — EMERALD CREDIT UNION, INC is a non-federally insured state credit union headquartered in GARFIELD HTS, OH with 1 branch location and about $39.91 million in total assets. Opened 67 years ago in 1955, EMERALD CREDIT UNION, INC has about 4,598 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:4,598
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, 2021
FHLB Member:No
Low Income Designation:No
Assets:$39,910,196
CEO/Manager:WENDY J DRIVER
Chairperson:RICHARD A STEFANKO

Call Report

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 3,513,156
TOTAL INVESTMENTS 0
Loans Held for Sale 0
 
 Real Estate Loans 12,443,374
 Unsecured Loans 2,811,829
 Other Loans 7,551,518
 TOTAL LOANS 22,806,721
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -311,672
 Land And Building 503,018
 Other Fixed Assets 27,237
 NCUSIF Deposit 0
 All Other Assets 0
  TOTAL ASSETS 39,910,196
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 464,613
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 7,427,327
 Regular shares 25,818,201
 All Other Shares & Deposits 3,197,671
  TOTAL SHARES & DEPOSITS 36,443,199
  TOTAL LIABILITIES 36,907,812
 Regular Reserve 0
 Other Reserves -226
 Undivided Earnings 3,002,610
  TOTAL EQUITY 3,002,384
  TOTAL LIABILITIES, SHARES, & EQUITY 39,910,196
INCOME & EXPENSE  
 Loan Income 264,175
 Investment Income 31,670
 Other Income 109,375
 Total Employee Compensation & Benefits 220,418
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 210,273
 Non-operating Income & (Expense) -528
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 41,608
 Cost of Funds 5,851
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) -6,350
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