Emerald Coast Credit Union

Emerald Coast Credit Union is headquartered in PORT ST JOE and is the 100^th largest credit union in the state of Florida. It is also the 2,701^st largest credit union in the nation. It was established in 1939 and as of December of 2011, it had grown to 16 employees and 4,341 members. Emerald Coast Credit Union has a 3-star health rating.

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Data for Q4 2011

Institution Statistics EMERALD COAST NCUA # 3388 BankRate Report View Year Chartered 1939 Employees 16 Primary Regulator Assets and Liabilities Assets $35.40 million Loans $18.74 million Deposits $31.81 million Equity Capital $3.29 million Loan Loss Allowance $716,000 Unbacked Noncurrent Loans $719,000 Real Estate Owned $151,000 Historic Data - December 2010 Assets $35.57 million Equity Capital $3.36 million Loan Loss Allowance $877,000 Unbacked Noncurrent Loans $647,000 Real Estate Owned $346,000 Profit Margin - Quarterly Net Interest Margin 5.78% Return on Assets 0.1% Return on Equity 1.06% Interest Income $1.30 million Non-Interest Income $504,000

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Emerald Coast Credit Union had $870,000 in non-current loans and owned real-estate with $4.01 million in equity and loan loss allowances on hand to cover it. This gives Emerald Coast Credit Union a Texas Ratio of 21.72% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Emerald Coast Credit Union held steady from 23.46% as of December 31, 2010 to 21.72% as of December 31, 2011, resulting in a positive change of 7.44%.This indicates that the balance sheet and financial strength for Emerald Coast Credit Union has held steady in recent periods. Deposit Growth In the past year, Emerald Coast Credit Union has decreased its total deposits by $-218,000, resulting in -0.68% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Emerald Coast Credit Union has shown is average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Emerald Coast Credit Union has $35.4 million in assets with $4.01 million in equity, resulting in a capitalization level of 11.32%, which is above average.

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