D
Emerald Coast Federal Credit Union
Rating Date
December 2025
Net Capital
Ratio
7.34
Leverage
Ratio
8.02
Return On
Assets
-0.38%
Total
Assets
64.32M
Capital
3.38M
Total
Deposits
60.23M
Net
Income
-184.00K
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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 3.70
Capitalization Index 5.00
Liquidity Index 4.00
Profitability Index 0.70
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 -3.67%
5-Year Asset Growth 3.56%
5-Year Charge-Offs to Average Loans 0.40%
Charge-Offs to Average Loans 1.09%
Non-Performing Assets to Assets 1.22%
Non-Performing Loans to Capital 21.06%
Non-Performing Loans to Loans 1.32%
Balance Sheet Emerald Coast Federal Credit Union
Port Saint Joe, FL 		Click to
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Total Assets 64.32M
Total Deposits 60.23M
Capital and Reserves Emerald Coast Federal Credit Union
Port Saint Joe, FL 		Click to
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Capital 3.38M
Leverage Ratio 8.02
Loan Loss Reserves to Loans 0.84%
Liquidity Emerald Coast Federal Credit Union
Port Saint Joe, FL 		Click to
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Hot Money Ratio 12.20%
Liquidity Ratio 21.66%
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 -184.00K
Net Interest Spread 4.28%
Operating Profit to Average Assets 0.42%
Overhead Efficiency Ratio 90.93%
Return on Assets -0.38%
Return on Equity -7.21%