2. Emerald Coast Federal Credit Union

Emerald Coast Federal Credit Union


Overview / Commentary
www.emeraldcoastfcu.com
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 83rd 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 September of 2019, it had grown to 18 employees and 5,458 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.
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Health
B

Data as of Q3 2019

Learn why bank health matters
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
Employees18
Primary Regulator
Profit Margin
Return on Assets - YTD0.53%
Return on Equity - YTD9.21%
Annual Interest Income$1.6MM
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$56.3MM$47.7MM
LoansQ3 2019vs Q3 2018$26.4MM$27.0MM
DepositsQ3 2019vs Q3 2018$52.5MM$44.6MM
Equity CapitalQ3 2019vs Q3 2018$3.3MM$3.1MM
Loan Loss AllowanceQ3 2019vs Q3 2018$340.00K$344.00K
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$338.00K$484.00K
Real Estate OwnedQ3 2019vs Q3 2018$122.00K$8.00K
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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