Emerald Coast Federal Credit Union
Overview / Commentary
Emerald Coast Federal Credit Union is headquartered in PORT ST JOE and is the 80th largest credit union in the state of Florida. It is also the 2,214th largest credit union in the nation. It was established in 1939 and as of March of 2025, it had grown to 20 employees and 5,362 members at 3 locations. Emerald Coast Federal Credit Union has a C+ health rating.
Field of Membership Restrictions
Emerald Coast Federal Credit Union is open to those who live, work, worship, or attend school, or have businesses and other legal entities in the Florida counties of Franklin or Gulf, or in the City of Mexico Beach.
See current membership details
Health
C+
Data as of Q1 2025
Learn why bank health mattersAdditional 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 Chartered | 1939 |
| Employees | 20 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.02% |
| Return on Equity - YTD | 0.34% |
| Annual Interest Income | $712K |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $65.1MM$67.1MM |
| Loans | Q1 2025vs Q1 2024 | $43.4MM$45.6MM |
| Deposits | Q1 2025vs Q1 2024 | $61MM$63.2MM |
| Equity Capital | Q1 2025vs Q1 2024 | $3.4MM$3.4MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $319K$300K |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $324K$268K |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |