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 Weak overall stability index (1.5 on a scale of 0 to 10).
Other Rating Factors:
A current level of 26.7 percent of nonperforming loans to core capital contributes to the Fair asset quality (3.0). Fair liquidity 4.1, driven by a liquidity ratio of 23.0 percent and a “hot money” ratio of 11.6 percent.
Asset Mix:
Consumer loans (30%), home mtgs (15%), other (55%)
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
Melbourne, FL
Lakeland, FL
Orlando, FL