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Emerald Coast Federal Credit Union

Popular Accounts at this Credit Union

0.15%1-year CD12 Month Share Certificate
0.05%SavingsSpecial Accounts
0.35%3-year CD30 Month Share Certificate

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

Emerald Coast Federal Credit Union is headquartered in PORT ST JOE and is the 87th largest credit union in the state of Florida. It is also the 2,412th largest credit union in the nation. It was established in 1939 and as of September of 2017, it had grown to 18 employees and 5,122 members at 3 locations. Emerald Coast Federal Credit Union has a C+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship, or attend school in, or have businesses and other legal entities in Gulf or Franklin County or the City of Mexico Beach.
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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 low asset base.

Health Grade Components

NCUA #3388
Year Chartered1939
Primary Regulator
Profit Margin
Return on Assets - YTD0.47%
Return on Equity - YTD7.1%
Annual Interest Income$1.3MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$46.4MM$46.1MM
LoansQ3 2017vs Q3 2016$25.5MM$23.8MM
DepositsQ3 2017vs Q3 2016$43.3MM$43.1MM
Equity CapitalQ3 2017vs Q3 2016$3.1MM$3.0MM
Loan Loss AllowanceQ3 2017vs Q3 2016$340.00K$375.00K
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$296.00K$174.00K
Real Estate OwnedQ3 2017vs Q3 2016$20.00K$84.00K
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Emerald Coast Federal Credit Union Savings Account Rates

0.05%$100-Regular Shares
0.05%--Christmas Club
0.05%--Special Accounts

Emerald Coast Federal Credit Union CD Rates

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

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

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