Emerald Coast Federal Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.3 has resulted in Weak (1.4) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.7 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 4.0, driven by a liquidity ratio of 14.6 percent and a “hot money” ratio of 13.8 percent. A current level of 19.5 percent of nonperforming loans to core capital combined with 19.5 percent from a year earlier contributes to the Fair asset quality (4.3).
Asset Mix:
Consumer loans (30%), home mtgs (14%), other (56%)
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
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