Emerald Coast Federal Credit Union is a federal credit union headquartered in Port St Joe, Florida, in business for about 87 years. At the end of Q2 2026 it reported $65.4M in total assets and $61.2M in member shares and deposits, with 2 offices.
Based on its Q2 2026 filing, Emerald Coast Federal Credit Union scores 60/100, which we describe as moderate. That is higher than only 22% of 2,479 credit unions with under $100 million in assets. Among 107 credit unions headquartered in Florida, it ranks 89th. Its strongest component is funding & liquidity (95/100; 66% loans-to-deposits, 9% uninsured), and its lowest is earnings (28/100; 0.20%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 19 points (41 → 60), mostly because the loan quality component improved by 50 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 55 |
| Q3 2024 | 52 |
| Q4 2024 | 47 |
| Q1 2025 | 54 |
| Q2 2025 | 41 |
| Q3 2025 | 45 |
| Q4 2025 | 52 |
| Q1 2026 | 59 |
| Q2 2026 | 60 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 8.10% |
| Q3 2024 | 8.23% |
| Q4 2024 | 8.37% |
| Q1 2025 | 8.20% |
| Q2 2025 | 8.03% |
| Q3 2025 | 8.02% |
| Q4 2025 | 7.90% |
| Q1 2026 | 7.86% |
| Q2 2026 | 7.79% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.86% |
| Q3 2024 | 1.14% |
| Q4 2024 | 1.54% |
| Q1 2025 | 0.75% |
| Q2 2025 | 1.82% |
| Q3 2025 | 1.32% |
| Q4 2025 | 0.57% |
| Q1 2026 | 0.30% |
| Q2 2026 | 0.32% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.33% |
| Q3 2024 | 0.25% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.02% |
| Q2 2025 | -0.17% |
| Q3 2025 | -0.38% |
| Q4 2025 | -0.45% |
| Q1 2026 | 0.11% |
| Q2 2026 | 0.20% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 60 | $65.4M | 7.79% | 0.32% | 0.20% | 65.7% |
| Q1 2026 | 59 | $64.2M | 7.86% | 0.30% | 0.11% | 66.9% |
| Q4 2025 | 52 | $63.7M | 7.90% | 0.57% | -0.45% | 69.0% |
| Q3 2025 | 45 | $64.3M | 8.02% | 1.32% | -0.38% | 69.2% |
| Q2 2025 | 41 | $65.8M | 8.03% | 1.82% | -0.17% | 69.1% |
| Q1 2025 | 54 | $65.1M | 8.20% | 0.75% | 0.02% | 71.2% |
| Q4 2024 | 47 | $63.8M | 8.37% | 1.54% | 0.00% | 73.9% |
| Q3 2024 | 52 | $66.8M | 8.23% | 1.14% | 0.25% | 69.7% |
| Q2 2024 | 55 | $67.6M | 8.10% | 0.86% | 0.33% | 71.3% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Florida
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Priority Credit UnionCredit union Orlando, FL | 32 out of 100, Low | $56.1M | 8.6% | 3.17% | vs |
| Everglades Federal Credit UnionCredit union Clewiston, FL | 71 out of 100, Strong | $55.4M | 10.4% | 0.28% | vs |
| Ficare Federal Credit UnionCredit union Wesley Chapel, FL | 69 out of 100, Moderate | $77.4M | 13.1% | 0.94% | vs |
| Ocala Community Credit UnionCredit union Ocala, FL | 51 out of 100, Below average | $49.3M | 10.1% | 2.57% | vs |
| Jackson County 1st Credit UnionCredit union Marianna, FL | 81 out of 100, Strong | $48.9M | 18.1% | 0.76% | vs |
| Miami Federal Credit UnionCredit union Miami, FL | 63 out of 100, Moderate | $45.2M | 11.9% | 1.08% | vs |
Deposit insurance
Is my money safe at Emerald Coast Federal Credit Union?
Yes. Emerald Coast Federal Credit Union is a federally insured credit union (NCUA charter #3388). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 8.7% of shares and deposits ($5.3M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 7.79%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
Emerald Coast Federal Credit Union lists 2 offices in 2 cities. Most locations:
- Port St Joe, FL (1)
- Wewahitchka, FL (1)
Identity & history
Profile
- Legal name
- Emerald Coast Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 3388
- RSSD ID
- 653572
- Primary regulator
- NCUA
- Established
- 1939
- Headquarters
- Po Box 128, Port St Joe, FL 32457
- Employees
- 20
Quick answers
Emerald Coast Federal Credit Union: common questions
Is Emerald Coast Federal Credit Union NCUA insured?
Yes. Emerald Coast Federal Credit Union is a federally insured credit union (NCUA charter #3388). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Emerald Coast Federal Credit Union's TellerScore?
60 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Emerald Coast Federal Credit Union have?
2 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Port St Joe
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Tyndall Federal Credit UnionCredit union Panama City, FL | 89 out of 100, Very strong | $1.9B | 13.6% | 0.26% | vs |
| Centennial BankBank Conway, AR | 79 out of 100, Strong | $24.6B | 12.6% | 0.55% | vs |
| Capital City BankBank Tallahassee, FL | 72 out of 100, Strong | $4.4B | 10.3% | 0.40% | vs |
| PeoplesSouth BankBank Colquitt, GA | 69 out of 100, Moderate | $1.2B | 10.4% | 1.02% | vs |