Side-by-side · Q2 2026 data
Emerald Coast Federal Credit Union vs My Pensacola Federal Credit Union
Credit union
Emerald Coast Federal Credit Union
Port St Joe, Florida · Under $100 million in assets
Credit union
My Pensacola Federal Credit Union
Pensacola, Florida · Under $100 million in assets
Metric by metric
| Measure | Emerald Coast Federal Credit Union | My Pensacola Federal Credit Union |
|---|---|---|
| TellerScore | 60 | 85 (stronger) |
| Capital cushion | 28 | 100 (stronger) |
| Loan quality | 89 | 90 (stronger) |
| Earnings | 28 | 38 (stronger) |
| Funding & liquidity | 95 | 100 (stronger) |
| Problem-loan coverage | 91 | 98 (stronger) |
| Peer percentile | 22nd | 77th |
| Total assets | $65.4M | $89.1M |
| Deposits / shares | $61.2M | $73.0M |
| Capital ratio | 7.79% | 17.93% (stronger) |
| Problem loans | 0.32% | 0.29% (stronger) |
| Net charge-offs | 0.64% | 0.46% (stronger) |
| Return on assets | 0.20% | 0.45% (stronger) |
| Loans ÷ deposits | 65.7% | 44.2% (stronger) |
| Uninsured deposits | 8.7% | 1.8% (stronger) |
| Offices | 2 | 0 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
My Pensacola Federal Credit Union has the higher TellerScore (85 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Emerald Coast Federal Credit Union leads on 0 and My Pensacola Federal Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.