Side-by-side · Q2 2026 data
Emerald Coast Federal Credit Union vs Ficare Federal Credit Union
Credit union
Emerald Coast Federal Credit Union
Port St Joe, Florida · Under $100 million in assets
Credit union
Ficare Federal Credit Union
Wesley Chapel, Florida · Under $100 million in assets
Metric by metric
| Measure | Emerald Coast Federal Credit Union | Ficare Federal Credit Union |
|---|---|---|
| TellerScore | 60 | 69 (stronger) |
| Capital cushion | 28 | 81 (stronger) |
| Loan quality | 89 (stronger) | 69 |
| Earnings | 28 | 29 (stronger) |
| Funding & liquidity | 95 (stronger) | 85 |
| Problem-loan coverage | 91 | 91 |
| Peer percentile | 22nd | 38th |
| Total assets | $65.4M | $77.4M |
| Deposits / shares | $61.2M | $65.7M |
| Capital ratio | 7.79% | 13.07% (stronger) |
| Problem loans | 0.32% (stronger) | 0.94% |
| Net charge-offs | 0.64% (stronger) | 0.84% |
| Return on assets | 0.20% | 0.22% (stronger) |
| Loans ÷ deposits | 65.7% (stronger) | 75.3% |
| Uninsured deposits | 8.7% | 6.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Ficare Federal Credit Union has the higher TellerScore (69 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Emerald Coast Federal Credit Union leads on 3 and Ficare Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.