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 2,269th largest credit union in the nation. It was established in 1939 and as of December of 2019, it had grown to 18 employees and 5,515 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 - YTD0.57%
Return on Equity - YTD10.44%
Annual Interest Income$2.1MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$53.6MM$57.5MM
LoansQ4 2019vs Q4 2018$26.3MM$26.3MM
DepositsQ4 2019vs Q4 2018$50.4MM$54.5MM
Equity CapitalQ4 2019vs Q4 2018$3.0MM$2.9MM
Loan Loss AllowanceQ4 2019vs Q4 2018$310.00K$324.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$533.00K$468.00K
Real Estate OwnedQ4 2019vs Q4 2018$65.00K$8.00K
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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

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