Emerald Credit Association
Emerald Credit Association is a credit union based in Greenwood, South Carolina, established in 1968, with $11 million in total assets serving 1,202 members. By Trust Grade it ranks 42nd of 46 credit unions we track in South Carolina. Its net worth ratio of 7.8% trails most similarly sized credit unions (4th percentile), versus a South Carolina median of 13.2%. It was profitable over the most recent period, with a 0.31% return on assets. No consumer complaints against Emerald Credit Association appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Emerald Credit Association compares to South Carolina peers
How we graded Emerald Credit Association
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (7.8% capital ratio)
- Profitable (ROA 0.31%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Emerald Credit Association over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Emerald Credit Association insured?
Yes. Emerald Credit Association is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Emerald Credit Association: frequently asked questions
Is Emerald Credit Association a good credit union?
Emerald Credit Association earns a Bankzia Trust Grade of C (78/100, "Average"), based on a financial-strength score of 78/100 (it has no CFPB complaints on record). Well-capitalized (7.8% capital ratio); Profitable (ROA 0.31%).
Is Emerald Credit Association NCUA-insured?
Yes. Emerald Credit Association is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Emerald Credit Association?
Emerald Credit Association holds $11 million in total assets, ranking 42nd of 46 credit unions we track in South Carolina. It serves 1,202 members.
Does Emerald Credit Association have CFPB complaints?
No CFPB complaints against Emerald Credit Association appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
