Emerald Coast Federal Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.5 has resulted in Weak (2.3) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.7 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 3.7, driven by a liquidity ratio of 11.5 percent and a “hot money” ratio of 9.9 percent. Fair current capitalization (4.9 on a scale of 0 to 10) based on a net capital to total assets of 7.2 and a net worth ratio of 8.1.
Asset Mix:
Consumer loans (32%), home mtgs (14%), other (54%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
502 Woodward Avenue
Port Saint Joe, FL 32456
Port Saint Joe, FL 32456
Phone Number
(850) 227-1156
NCUA Charter Number
Website
Largest Competitors
Tampa, FL
Jacksonville, FL
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Orlando, FL