Side-by-side · Q2 2026 data
Emerald Coast Federal Credit Union vs Tampa Postal 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 | Tampa Postal Federal Credit Union |
|---|---|---|
| TellerScore | 60 | 69 (stronger) |
| Capital cushion | 28 | 60 (stronger) |
| Loan quality | 89 | 93 (stronger) |
| Earnings | 28 (stronger) | 12 |
| Funding & liquidity | 95 | 100 (stronger) |
| Problem-loan coverage | 91 | 99 (stronger) |
| Peer percentile | 22nd | 38th |
| Total assets | $65.4M | $98.2M |
| Deposits / shares | $61.2M | $90.2M |
| Capital ratio | 7.79% | 11.03% (stronger) |
| Problem loans | 0.32% | 0.21% (stronger) |
| Net charge-offs | 0.64% | 0.62% (stronger) |
| Return on assets | 0.20% (stronger) | -0.21% |
| Loans ÷ deposits | 65.7% | 39.2% (stronger) |
| Uninsured deposits | 8.7% | 2.4% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 21.4% |
Tampa Postal 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 1 and Tampa Postal Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.