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Emerald Credit Union, Inc.
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Emerald Credit Union, Inc. Share
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Overview Share
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Emerald Credit Union, Inc. is a non-federally insured state credit union based in Garfield Hts, Ohio. It has been opened since 1955, for 67 years.

With around $38,690,000 in assets, Emerald Credit Union, Inc. is considered to be an average size credit union. It has 2 branches and 2 ATM locations.

About Share
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Address 13201 Granger Road Suite 1
Garfield HTS, Ohio 44125
Website http://www.emeraldgcu.com
Phone (216) 581-5581
Fax (216) 265-1000
CEO Wendy J. Driver
President of the Board Richard Stefanko
Services Offered
Score Card Share
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67 years
Years in business
Opened in 1955
Well Capitalized
Net worth classification
Source: NCUA
5,719 members
Membership type: State chartered natural person credit union
Average number of members
327:1
Credit union member to staff ratio
327 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
$38,688,482
Total assets
Average size
2 branches
Compared with an average of 4 nationally and 3 in Ohio
Above average number of branches
9.95%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches Share
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2 branches
Compared with an average of 4 nationally and 3 in Ohio
Above average number of branches
Emerald Credit Union, Inc. Branch Locations

Emerald Credit Union, Inc.: Main Office
13201 Granger Road Suite 1
Garfield HTS, Ohio 44125
ATM Available
Emerald Credit Union, Inc.: Bedford Branch
472 Northfield Road
Bedford, Ohio 44146
ATM Available
Members Share
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5,719 members
Membership type: State chartered natural person credit union
Average number of members

With 5,719 members, the Emerald Credit Union, Inc. is considered to be a medium size credit union. It is larger than 60% of credit unions.

Fees Share
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$106
Average fee per member
The average fee per member at the Emerald Credit Union, Inc. is $106, which is very high compared to most credit unions. This rate is higher than 87% of all credit unions.
Fees are higher than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Emerald Credit Union, Inc.. Some credit unions tend to charge more fees, while others charge less.

Staff Share
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327:1
Credit union member to staff ratio
327 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
18 staff members
FTE (full-time equivalent)
6% of employees are part-time
17 full-time, 1 part-time

Emerald Credit Union, Inc. has 17 full-time staff members and 1 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 94% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Emerald Credit Union, Inc. has around 327 members per staff, a low ratio compared to other credit unions. This is a well staffed credit union.

Assets Share
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$38,688,482
Total assets
Average size
Net worth Share
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
10.1%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases Share
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$7,424
Average loan and lease size
Loan & lease sizes are small. They are smaller than at 74% of credit unions.

Emerald Credit Union, Inc. holds a total of $20,440,000 in loans and leases, which is about $7,424 per member on average.

Savings interest rate Share
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Loan rates Share
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9.95%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
11.35%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
3.03%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates Share
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2.49%
New car loan rate
Compared to 4.0% nationally
4.99%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates Share
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5.50%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
2.67%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally

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Similar Credit Unions to Emerald Credit Union, Inc.

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Emerald Credit Union, Inc.: Bedford Branch ATM
Credit Union ATM: 472 Northfield Road
Bedford, Ohio 44146
Emerald Credit Union, Inc.: Bedford Branch
Credit Union Branch: 472 Northfield Road
Bedford, Ohio 44146 ATM Available
Pioneer Credit Union: Emerald Admin (Mortgage and Commercial Loan Servcies) ATM
Credit Union ATM: 8100 W. Emerald Street
Suite 170
Boise, Idaho 83704
Service Credit Union Routing Number
Resource: Service Credit Union Routing Number Service Credit Union is a credit union based in Portsmouth, New Hampshire. Service Credit Union’s US routing number is 211489656.
Pioneer Credit Union: Emerald Admin (Mortgage and Commercial Loan Servcies)
Credit Union Branch: 8100 W. Emerald Street
Suite 170
Boise, Idaho 83704 ATM Available
Icon Credit Union: Emerald
Credit Union Branch: 9769 W. Emerald Street
Boise, Idaho 83704 No ATM
Emerald Credit Union, Inc.: Main Office ATM
Credit Union ATM: 13201 Granger Road Suite 1
Garfield HTS, Ohio 44125
Connections Credit Union: Emerald Branch
Credit Union Branch: 10536 W. Emerald Street
Boise, Idaho 83704 ATM Available
Emerald Credit Union, Inc.: Main Office
Credit Union Branch: 13201 Granger Road Suite 1
Garfield HTS, Ohio 44125 ATM Available
Emerald Credit Union, Inc.
Credit Union: Well Capitalized Garfield HTS, Ohio 5719.0 $39 million Well Capitalized