Side-by-side · Q2 2026 data
Emerald Coast Federal Credit Union vs Ocala Community 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 | Ocala Community Credit Union |
|---|---|---|
| TellerScore | 60 (stronger) | 51 |
| Capital cushion | 28 | 51 (stronger) |
| Loan quality | 89 (stronger) | 14 |
| Earnings | 28 | 43 (stronger) |
| Funding & liquidity | 95 | 100 (stronger) |
| Problem-loan coverage | 91 (stronger) | 85 |
| Peer percentile | 22nd | 10th |
| Total assets | $65.4M | $49.3M |
| Deposits / shares | $61.2M | $43.9M |
| Capital ratio | 7.79% | 10.13% (stronger) |
| Problem loans | 0.32% (stronger) | 2.57% |
| Net charge-offs | 0.64% (stronger) | 1.19% |
| Return on assets | 0.20% | 0.57% (stronger) |
| Loans ÷ deposits | 65.7% | 33.7% (stronger) |
| Uninsured deposits | 8.7% | 2.3% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Emerald Coast Federal Credit Union has the higher TellerScore (60 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Emerald Coast Federal Credit Union leads on 3 and Ocala Community Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.