Emerald Coast Federal Credit Union


Overview / Commentary
850-227-1156
502 Woodward Ave
Port St Joe, FL 32456-1744

Emerald Coast Federal Credit Union is headquartered in PORT ST JOE and is the 82nd largest credit union in the state of Florida. It is also the 2,180th largest credit union in the nation. It was established in 1939 and as of June of 2019, it had grown to 19 employees and 5,378 members at 3 locations. Emerald Coast Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Emerald Coast Federal Credit Union is open to anyone who lives, works, worships, or goes to school in Franklin or Gulf counties, or the City of Mexico Beach.
See current membership details

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Health
B+
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Emerald Coast Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #3388
Year Chartered1939
Employees19
Primary Regulator
Profit Margin
Return on Assets - YTD0.68%
Return on Equity - YTD12.22%
Annual Interest Income$1.1MM
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$58.6MM$48.2MM
LoansQ2 2019vs Q2 2018$26.0MM$26.2MM
DepositsQ2 2019vs Q2 2018$55.3MM$45.1MM
Equity CapitalQ2 2019vs Q2 2018$3.3MM$3.0MM
Loan Loss AllowanceQ2 2019vs Q2 2018$346.00K$369.00K
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$189.00K$473.00K
Real Estate OwnedQ2 2019vs Q2 2018$65.00K$13.00K
Rates
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Emerald Coast Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$100-Regular Shares
0.05%--Christmas Club
0.05%--Special Accounts

Emerald Coast Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%$1k-36 Month Share Certificate
0.35%$1k-30 Month Share Certificate
0.25%$1k-24 Month Share Certificate
0.20%$1k-18 Month Share Certificate
0.15%$1k-12 Month Share Certificate
0.10%$1k-6 Month Share Certificate
0.05%$1k-91 Day Share Certificate

Emerald Coast Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%$250-36 Month IRA Certificate
0.35%$250-30 Month IRA Certificate
0.25%$250-24 Month IRA Certificate
0.20%$250-18 Month IRA Certificate
0.15%$250-12 Month IRA Certificate
0.10%$250-6 Month IRA Certificate
0.05%$250-91 Day IRA Certificate
Locations


Emerald Coast Federal Credit Union Locations
Branch Office502 WOODWARD AVEPORT ST JOE, FL 32456-1744
Branch Office101 E RIVER RDWEWAHITCHKA, FL 32465-4933
Branch Office282 US Highway 98Eastpoint, FL 32328

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