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 2,190th largest credit union in the nation. It was established in 1939 and as of December of 2018, it had grown to 19 employees and 5,329 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.
See current membership details

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Health
C+
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 - YTD0.64%
Return on Equity - YTD11.59%
Annual Interest Income$1.9MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$57.5MM$45.6MM
LoansQ4 2018vs Q4 2017$26.3MM$25.8MM
DepositsQ4 2018vs Q4 2017$54.5MM$42.7MM
Equity CapitalQ4 2018vs Q4 2017$2.9MM$2.8MM
Loan Loss AllowanceQ4 2018vs Q4 2017$324.00K$372.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$468.00K$276.00K
Real Estate OwnedQ4 2018vs Q4 2017$8.00K$46.00K
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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