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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 88th largest credit union in the state of Florida. It is also the 2,385th largest credit union in the nation. It was established in 1939 and as of June of 2017, it had grown to 19 employees and 5,095 members at 3 locations. Emerald Coast Federal Credit Union has a B 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 - YTD0.6%
Return on Equity - YTD9.38%
Annual Interest Income$846.00K
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$48.1MM$45.5MM
LoansQ2 2017vs Q2 2016$24.9MM$23.2MM
DepositsQ2 2017vs Q2 2016$45.0MM$42.6MM
Equity CapitalQ2 2017vs Q2 2016$3.1MM$2.9MM
Loan Loss AllowanceQ2 2017vs Q2 2016$322.00K$346.00K
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$263.00K$123.00K
Real Estate OwnedQ2 2017vs Q2 2016$37.00K$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