Side-by-side · Q2 2026 data
Emerald Coast Federal Credit Union vs Tyndall 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 | Tyndall Federal Credit Union |
|---|---|---|
| TellerScore | 60 | 89 (stronger) |
| Capital cushion | 28 | 86 (stronger) |
| Loan quality | 89 | 91 (stronger) |
| Earnings | 28 | 76 (stronger) |
| Funding & liquidity | 95 | 100 (stronger) |
| Problem-loan coverage | 91 | 98 (stronger) |
| Peer percentile | 22nd | 97th |
| Total assets | $65.4M | $1.9B |
| Deposits / shares | $61.2M | $1.6B |
| Capital ratio | 7.79% | 13.61% (stronger) |
| Problem loans | 0.32% | 0.26% (stronger) |
| Net charge-offs | 0.64% | 0.25% (stronger) |
| Return on assets | 0.20% | 1.41% (stronger) |
| Loans ÷ deposits | 65.7% | 59.6% (stronger) |
| Uninsured deposits | 8.7% (stronger) | 11.0% |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 24.3% |
Tyndall Federal Credit Union has the higher TellerScore (89 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Emerald Coast Federal Credit Union leads on 1 and Tyndall Federal Credit Union on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.