Side-by-side · Q2 2026 data
Emerald Coast Federal Credit Union vs Memorial Employees Financial Credit Union
Credit union
Emerald Coast Federal Credit Union
Port St Joe, Florida · Under $100 million in assets
Credit union
Memorial Employees Financial Credit Union
Hollywood, Florida · Under $100 million in assets
Metric by metric
| Measure | Emerald Coast Federal Credit Union | Memorial Employees Financial Credit Union |
|---|---|---|
| TellerScore | 60 | 73 (stronger) |
| Capital cushion | 28 | 61 (stronger) |
| Loan quality | 89 | 94 (stronger) |
| Earnings | 28 | 33 (stronger) |
| Funding & liquidity | 95 | 100 (stronger) |
| Problem-loan coverage | 91 | 98 (stronger) |
| Peer percentile | 22nd | 47th |
| Total assets | $65.4M | $92.5M |
| Deposits / shares | $61.2M | $83.6M |
| Capital ratio | 7.79% | 11.08% (stronger) |
| Problem loans | 0.32% | 0.18% (stronger) |
| Net charge-offs | 0.64% | 0.29% (stronger) |
| Return on assets | 0.20% | 0.33% (stronger) |
| Loans ÷ deposits | 65.7% | 49.9% (stronger) |
| Uninsured deposits | 8.7% | 4.3% (stronger) |
| Offices | 2 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Memorial Employees Financial Credit Union has the higher TellerScore (73 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Emerald Coast Federal Credit Union leads on 0 and Memorial Employees Financial Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.