Side-by-side · Q2 2026 data
Capital City Bank vs Emerald Coast Federal Credit Union
Credit union
Emerald Coast Federal Credit Union
Port St Joe, Florida · Under $100 million in assets
Metric by metric
| Measure | Capital City Bank | Emerald Coast Federal Credit Union |
|---|---|---|
| TellerScore | 72 (stronger) | 60 |
| Capital cushion | 53 (stronger) | 28 |
| Loan quality | 87 | 89 (stronger) |
| Earnings | 81 (stronger) | 28 |
| Funding & liquidity | 58 | 95 (stronger) |
| Problem-loan coverage | 95 (stronger) | 91 |
| Peer percentile | 66th | 22nd |
| Total assets | $4.4B | $65.4M |
| Deposits / shares | $3.8B | $61.2M |
| Capital ratio | 10.29% (stronger) | 7.79% |
| Problem loans | 0.40% | 0.32% (stronger) |
| Net charge-offs | 0.12% (stronger) | 0.64% |
| Return on assets | 1.52% (stronger) | 0.20% |
| Loans ÷ deposits | 65.6% (stronger) | 65.7% |
| Uninsured deposits | 47.8% | 8.7% (stronger) |
| Offices | 59 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 32.0% | — |
Capital City Bank has the higher TellerScore (72 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Capital City Bank leads on 5 and Emerald Coast Federal Credit Union on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.