Credit union · Privately insured
Emerald Credit Union
A $32.4M credit union headquartered in Garfield Hts, OH, with 3,457 members and 1 branch in Ohio. Best rates: CDs 3.50% and savings 0.01% APY.
Emerald Credit Union Carrot Score
75
Carrot Score
Higher than 39% of U.S. banks and credit unions
#33 of 60 in Cleveland, OH metroHow the score works →
Deposits are privately insured, not by the federal government.
About Emerald Credit Union
- Headquarters
- 13201 Granger Rd Ste 1, Garfield Hts, OH 44125
- NCUA charter
- 97077
Branches
1 branch in Ohio
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Ohio
1 branch
- Main OfficeMain office13201 Granger Rd, Ste 1, Garfield Hts, OH 44125Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 8.86% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.66% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | -0.51% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $65 | $59 | — |
- CapitalNet worth ratio8.86%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.66%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets-0.51%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$65Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Emerald Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.