D
Emerald Coast Federal Credit Union
Rating Date
May 2024
Net Capital
Ratio
7.53
Leverage
Ratio
8.23
Return On
Assets
0.25%
Total
Assets
66.78M
Capital
3.63M
Total
Deposits
62.37M
Net
Income
126.00K
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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 4.30
Capitalization Index 5.20
Liquidity Index 4.00
Profitability Index 1.40
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 6.50%
5-Year Asset Growth 2.21%
5-Year Charge-Offs to Average Loans 0.37%
Charge-Offs to Average Loans 0.65%
Non-Performing Assets to Assets 1.12%
Non-Performing Loans to Capital 19.46%
Non-Performing Loans to Loans 1.14%
Balance Sheet Emerald Coast Federal Credit Union
Port Saint Joe, FL 		Click to
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Total Assets 66.78M
Total Deposits 62.37M
Capital and Reserves Emerald Coast Federal Credit Union
Port Saint Joe, FL 		Click to
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Capital 3.63M
Leverage Ratio 8.23
Loan Loss Reserves to Loans 0.54%
Liquidity Emerald Coast Federal Credit Union
Port Saint Joe, FL 		Click to
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Hot Money Ratio 13.75%
Liquidity Ratio 14.57%
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 126.00K
Net Interest Spread 4.07%
Operating Profit to Average Assets 0.51%
Overhead Efficiency Ratio 88.72%
Return on Assets 0.25%
Return on Equity 4.89%