CU Explorer
Credit unions · Ohio · Q2 2026

Emerald Credit Union, Inc.

Credit union in Garfield Hts, OH · NCUA charter #97077 · State charter (other)

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

Total assets$32.7M
Total loans & leases$18.9M
Total shares & deposits$29.2M
Members3,309
Net worth$2.9M
Net worth / assets8.86%
Loans / assets57.84%
Return on assets (annualized)−0.51%
Loan growth (YoY)−6.27%
Member growth (YoY)−7.31%
Delinquency, all loans (60+ days)1.66%
CharterState charter (other)
Asset band< $50M
NCUA peer group$10M–$50M
Sponsor typeCommunity (inferred from the name)

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): uses fintech partners, fintech participations, online membership application, online loan application, online account opening, online loan payments, bill payment, account aggregation, e-signature, e-Statements, remote deposit capture. 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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