Sep, 30, 2025 — EMERALD EMPIRE FEDERAL CREDIT UNION is a federal credit union headquartered in SPRINGFIELD, OR with 2 branch locations and about $28.35 million in total assets. Opened 72 years ago in 1954, EMERALD EMPIRE FEDERAL CREDIT UNION has about 2,528 members and employs 8 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 EMPIRE FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 850 Beltline Rd SPRINGFIELD, OR 97477 |
| Phone: | (541) 988-9059 |
| Fax: | (541) 988-9169 |
| Website: | https://www.youreecu.org |
| Branches: | 2 branch locations |
| Members: | 2,528 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 9877 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1954 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $28,345,009 |
| CEO/Manager: | Carolyn J Stahly |
| Chairperson: | Lloyd Paseman |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 5,166,443 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 13,491,255 |
| Unsecured Loans | 1,115,335 |
| Other Loans | 5,803,370 |
| TOTAL LOANS | 20,409,960 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -397,645 |
| Land And Building | 0 |
| Other Fixed Assets | 3,239 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 206,373 |
| All Other Assets | 0 |
| TOTAL ASSETS | 28,345,009 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 60,437 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 180,619 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 4,931,021 |
| Regular shares | 7,518,423 |
| All Other Shares & Deposits | 9,845,912 |
| TOTAL SHARES & DEPOSITS | 22,295,356 |
| TOTAL LIABILITIES | 22,536,412 |
| Regular Reserve | 0 |
| Other Reserves | 897,436 |
| Undivided Earnings | 4,911,161 |
| TOTAL EQUITY | 5,808,597 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 28,345,009 |
| INCOME & EXPENSE | |
| Loan Income | 1,014,945 |
| Investment Income | 135,871 |
| Other Income | 75,329 |
| Total Employee Compensation & Benefits | 409,836 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 501,094 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | -14,427 |
| Cost of Funds | 172,560 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 162,260 |
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