Side-by-side · Q2 2026 data
Emerald Coast Federal Credit Union vs Miami Federal Credit Union
Credit union
Emerald Coast Federal Credit Union
Port St Joe, Florida · Under $100 million in assets
Metric by metric
| Measure | Emerald Coast Federal Credit Union | Miami Federal Credit Union |
|---|---|---|
| TellerScore | 60 | 63 (stronger) |
| Capital cushion | 28 | 69 (stronger) |
| Loan quality | 89 (stronger) | 64 |
| Earnings | 28 | 34 (stronger) |
| Funding & liquidity | 95 (stronger) | 75 |
| Problem-loan coverage | 91 (stronger) | 85 |
| Peer percentile | 22nd | 26th |
| Total assets | $65.4M | $45.2M |
| Deposits / shares | $61.2M | $38.2M |
| Capital ratio | 7.79% | 11.92% (stronger) |
| Problem loans | 0.32% (stronger) | 1.08% |
| Net charge-offs | 0.64% | 0.16% (stronger) |
| Return on assets | 0.20% | 0.35% (stronger) |
| Loans ÷ deposits | 65.7% (stronger) | 85.2% |
| Uninsured deposits | 8.7% | 7.0% (stronger) |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Miami Federal Credit Union has the higher TellerScore (63 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Emerald Coast Federal Credit Union leads on 2 and Miami Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.