CU Explorer
Credit unions · South Carolina · Q2 2026

Emerald Credit Association FCU

Credit union in Greenwood, SC · NCUA charter #19047 · Federal charter

Legal name: Emerald Credit Association

Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.

Total assets$10.3M
Total loans & leases$7.3M
Total shares & deposits$9.4M
Members1,193
Net worth$865K
Net worth / assets8.39%
Loans / assets70.39%
Return on assets (annualized)0.35%
Loan growth (YoY)−8.62%
Member growth (YoY)−3.56%
Delinquency, all loans (60+ days)0.00%
CharterFederal charter
Asset band< $50M
NCUA peer group$10M–$50M
Sponsor typeCommunity

AI readiness

No public evidence

Nothing public says the credit union uses AI.

No public evidence found as of 2026-09-22. Checked: its website, announcements by AI vendors, news search. Absence of evidence is not evidence of absence; a credit union may use AI without saying so publicly.

Filed signals, from the credit union's own NCUA call report (Q2 2026): online loan payments, e-Statements. These are relationships and channels, not AI as such.

The AI Score runs from one to five stars; one star, no public evidence, is never shown on a credit union. Scores and sources for every credit union: CU AI Ready Report.

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