Emerald Coast Federal Credit Union

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

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 2,268th largest credit union in the nation. It was established in 1939 and as of June of 2020, it had grown to 20 employees and 5,381 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 anyone who lives, works, worships, or goes to school in Franklin or Gulf counties, 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 relatively low asset base.

Health Grade Components

NCUA #3388
Year Chartered1939
Primary Regulator
Profit Margin
Return on Assets - YTD0.37%
Return on Equity - YTD6.79%
Annual Interest Income$930.00K
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$59.1MM$58.6MM
LoansQ2 2020vs Q2 2019$24.0MM$26.0MM
DepositsQ2 2020vs Q2 2019$55.4MM$55.3MM
Equity CapitalQ2 2020vs Q2 2019$3.2MM$3.3MM
Loan Loss AllowanceQ2 2020vs Q2 2019$295.00K$346.00K
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$473.00K$189.00K
Real Estate OwnedQ2 2020vs Q2 2019$65.00K$65.00K
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Emerald Coast Federal Credit Union Savings Account Rates

0.01%$100-Regular Shares
0.01%--Christmas Club
0.01%--Special Accounts

Emerald Coast Federal Credit Union CD Rates

0.35%$1k-36 Month Share Certificate
0.30%$1k-30 Month Share Certificate
0.20%$1k-24 Month Share Certificate
0.15%$1k-18 Month Share Certificate
0.10%$1k-12 Month Share Certificate
0.05%$1k-6 Month Share Certificate
0.03%$1k-91 Day Share Certificate

Emerald Coast Federal Credit Union IRA Rates

0.35%$250-36 Month IRA Certificate
0.30%$250-30 Month IRA Certificate
0.20%$250-24 Month IRA Certificate
0.15%$250-18 Month IRA Certificate
0.10%$250-12 Month IRA Certificate
0.05%$250-6 Month IRA Certificate
0.03%$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

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