D
Emerald Coast Federal Credit Union
Rating Date
May 2024
Net Capital
Ratio
7.21
Leverage
Ratio
8.13
Return On
Assets
0.49%
Total
Assets
67.09M
Capital
3.37M
Total
Deposits
63.16M
Net
Income
81.00K
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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 5.40
Capitalization Index 4.90
Liquidity Index 3.70
Profitability Index 2.30
Stability Index 2.70
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 3.90%
5-Year Asset Growth 2.21%
5-Year Charge-Offs to Average Loans 0.37%
Charge-Offs to Average Loans 0.49%
Non-Performing Assets to Assets 0.73%
Non-Performing Loans to Capital 13.38%
Non-Performing Loans to Loans 0.59%
Balance Sheet Emerald Coast Federal Credit Union
Port Saint Joe, FL 		Click to
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Total Assets 67.09M
Total Deposits 63.16M
Capital and Reserves Emerald Coast Federal Credit Union
Port Saint Joe, FL 		Click to
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Capital 3.37M
Leverage Ratio 8.13
Loan Loss Reserves to Loans 0.66%
Liquidity Emerald Coast Federal Credit Union
Port Saint Joe, FL 		Click to
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Hot Money Ratio 9.91%
Liquidity Ratio 11.45%
Profitability Emerald Coast Federal Credit Union
Port Saint Joe, FL 		Click to
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5-Year Return on Average Assets 0.46%
Net Income 81.00K
Net Interest Spread 4.08%
Operating Profit to Average Assets 0.66%
Overhead Efficiency Ratio 85.56%
Return on Assets 0.49%
Return on Equity 9.71%