Emerald Coast Federal Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (0.6 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.1 has resulted in Weak (1.6) profitability.
Other Rating Factors:
Fair liquidity 4.3, driven by a liquidity ratio of 23.4 percent and a “hot money” ratio of 14.3 percent. Fair current capitalization (4.9 on a scale of 0 to 10) based on a net capital to total assets of 7.3 and a net worth ratio of 7.9.
Asset Mix:
Consumer loans (28%), home mtgs (15%), comm loans (10%), other (46%)
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
Lakeland, FL
Melbourne, FL
Orlando, FL