# Emerald Credit Union, Inc. (Garfield Hts, OH): delinquency rising, assets +1% to $32,699,607

**Score:** 50/100

| Field | Value |
|---|---|
| Credit union | Emerald Credit Union, Inc. |
| Charter number | 97077 |
| Location | 13201 Granger Rd Ste 1, Garfield Hts, OH, 44125 |
| Charter | State-chartered (federally insured) |
| Change | Delinquency rising |
| Quarter | 2026-03 to 2026-06 |
| Total assets | $32,699,607 (1% QoQ) |
| Loans | $18,913,189 (-3% QoQ) |
| Shares and deposits | $29,237,474 |
| Members | 3309 (-148) |
| Delinquency rate | 1.66% (was 0.71%) |
| Loan-to-share | 64.7% |

## Why this score
- Delinquency up to 1.66% from 0.71%.

Source: NCUA 5300 Call Report quarterly data files (National Credit Union Administration) (https://mapping.ncua.gov/ResearchCreditUnion?charterNumber=97077). Last refreshed: 2026-11-04T21:50:43.711Z.
Computed from NCUA 5300 Call Report public data files. A credit union that stops filing has usually merged or liquidated; confirm with NCUA. Delinquency is loans 60+ days past due over total loans; "delinquency rising" means up 0.5 points or more in the quarter on a loan book of $5M or more. Institution level only.