Springfield, Oregon · Peer group 3
Emerald Empire Credit Union
Emerald Empire Credit Union holds $28.9M in assets across 2,538 members as of Q1 2026 — about $11K of assets per member, on a charter dating to 1954. Charter number 9877, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $28.9M |
|---|---|
| Total loans | $20.7M |
| Total shares (deposits) | $22.9M |
| Net worth | $5.8M |
| Members | 2,538 |
| Assets per member | $11K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 5.0% | |
|---|---|---|
| Loans | -0.9% | around the 58th percentile of its peer group |
| Deposits | 6.0% | around the 80th percentile of its peer group |
| Members | 0.4% | around the 72nd percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 90.6% | higher than 94% of its peer group |
|---|---|---|
| Net worth ratio | 20.1% | around the 85th percentile of its peer group |
| Return on assets | -0.09% | around the 15th percentile of its peer group |
| Delinquency ratio | 0.55% | around the 48th percentile of its peer group |
| Cash / assets | 18.5% | around the 79th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Emerald Empire Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Oregon — the comparison set a peer ratio is measured against.
- Gateway Credit Union
Springfield, OR
$30.4M · 1,959 members
- Northwest Adventist Credit Union
Portland, OR
$34.7M · 3,155 members
- Eweb Employees Credit Union
Eugene, OR
$35.0M · 1,445 members
- IBEW/Sj Cascade Credit Union
Salem, OR
$22.5M · 2,831 members
- South Coast ILWU Credit Union
NORTH BEND, OR
$18.8M · 1,036 members
- Umatilla County Credit Union
Pendleton, OR
$48.3M · 2,448 members
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