D
Emerald Coast Federal Credit Union
Rating Date
September 2025
Net Capital
Ratio
7.26
Leverage
Ratio
8.04
Return On
Assets
-0.17%
Total
Assets
65.80M
Capital
3.40M
Total
Deposits
61.67M
Net
Income
-55.00K
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Weiss Ratings Emerald Coast Federal Credit Union
Port Saint Joe, FL 		Click to
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Rating D
Asset Quality Index 3.00
Capitalization Index 4.90
Liquidity Index 4.10
Profitability Index 1.10
Stability Index 1.50
Company Info Emerald Coast Federal Credit Union
Port Saint Joe, FL 		Click to
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NCUA Charter Number 379
Phone Number (850) 227-1156
Website www.emeraldcoastfcu.com
Asset Quality Emerald Coast Federal Credit Union
Port Saint Joe, FL 		Click to
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1-Year Asset Growth -2.73%
5-Year Asset Growth 3.56%
5-Year Charge-Offs to Average Loans 0.40%
Charge-Offs to Average Loans 0.75%
Non-Performing Assets to Assets 1.52%
Non-Performing Loans to Capital 26.71%
Non-Performing Loans to Loans 1.82%
Balance Sheet Emerald Coast Federal Credit Union
Port Saint Joe, FL 		Click to
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Total Assets 65.80M
Total Deposits 61.67M
Capital and Reserves Emerald Coast Federal Credit Union
Port Saint Joe, FL 		Click to
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Capital 3.40M
Leverage Ratio 8.04
Loan Loss Reserves to Loans 0.78%
Liquidity Emerald Coast Federal Credit Union
Port Saint Joe, FL 		Click to
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Hot Money Ratio 11.62%
Liquidity Ratio 23.01%
Profitability Emerald Coast Federal Credit Union
Port Saint Joe, FL 		Click to
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5-Year Return on Average Assets 0.35%
Net Income -55.00K
Net Interest Spread 4.21%
Operating Profit to Average Assets 0.42%
Overhead Efficiency Ratio 91.09%
Return on Assets -0.17%
Return on Equity -3.23%