Federal credit union · PORT ST JOE, Florida · NCUA charter #3388
Emerald Coast
Health score 72/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 72
- Health / 100
- $63.7M
- Total assets
- 5,231
- Members
- 7.9%
- Net-worth ratio
Emerald Coast scores 72/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $63.7M; members 5,231; net-worth ratio 7.86%; health rank #3,496 of 4,374; healthier than 20th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,496 of 4,374 health · 2025Q4Emerald Coast · health 72/100 · $63.7M · 2025Q4
- NW 72/100
- DELQ 7.9%
- ROA 0.57%
- ASSETS 0.00%
- MEM $63.7M
- RANK 5,231
- PHOTO #3,496/4,374
- BOOK GUNDERSEN
- CHARTER 3388
Call Report peers
Emerald Coast in the assets neighbourhood
Emerald Coast's $63.7M assets sit next to GUNDERSEN ($63.6M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Emerald Coast vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
72 20th percentile higher than 20% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Emerald Coast - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #3388. See our deposit-insurance coverage note.
Emerald Coast: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 69.05% here, 62.60% peer average (+6.45 pp).
- Widest shortfall vs peers is Net Worth Ratio: -5.76 pp (7.86% vs 13.62%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Emerald Coast in Florida
- Health composite ranks #100 of 109 among scored Florida credit unions.
- By total assets, Emerald Coast is #78 of 109 in Florida.
- Membership ranks #76 of 109 among Florida CUs with a reported count (5,231 members).
In-state ordinals use the live credit_unions table for FL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Emerald Coast's 5300 filing moved
Emerald Coast: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.9% from $63.7M (2025Q4) to $64.2M (2026Q1).
- Net-worth ratio shifted -0.04 pp (7.90% → 7.86%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 7.86%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 72/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 72.
- Net Worth Ratio 24.6 pts
- Delinquency Rate 24.3 pts
- Return on Assets 4.6 pts
- Member Growth 4.0 pts
- Loan-to-Share Ratio 14.5 pts
Emerald Coast vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.86% | -5.76 pp |
| Delinquency Rate | 0.57% | -0.39 pp |
| Return on Assets | 0.00% | -0.66 pp |
| Member Growth | -2.77% | - |
| Loan-to-Share Ratio | 69.05% | +6.45 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $64.2M | - |
| 2025Q4 | $63.7M | 5,231 |
| 2024Q4 | $63.8M | 5,380 |
| 2023Q4 | $64.3M | 5,451 |
Credit Union Details
- Charter Number
- 3388
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Florida
- City
- PORT ST JOE
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for Emerald Coast, spread across 3 cities.
| Office | City |
|---|---|
| EMERALD COAST FEDERAL CREDIT UNION (Main Office) | PORT ST JOE, FL |
| Emerald Coast Federal Credit Union | Eastpoint, FL |
| EMERALD COAST FEDERAL CREDIT UNION | WEWAHITCHKA, FL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Florida
Other federally-insured credit unions in Florida, closest first by peer group and asset size.
Cross-state Call Report peers for Emerald Coast
Two NCUA Call Report peer sets for Emerald Coast, both outside Florida so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($63.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (72/100 here).
Using this data
- Emerald Coast ranks #3,496 of 4,374 nationally on financial health and #100 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- PRIORITY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with PRIORITY
- Rates and health both vary by institution, not just by state -- see how Florida credit unions compare overall before assuming this one is typical. Florida state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Emerald Coast financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Emerald Coast carries a financial health score of 72/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,496 of 4,374; by total assets it ranks #2,213 of 4,374 nationally (same basis as /rankings/largest); and #78 of 109 within Florida. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 7.86% net worth ratio and a 0.57% delinquency rate.
How does Emerald Coast compare to other credit unions?
Five weighted metrics from NCUA filings produce Emerald Coast's 72/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Emerald Coast?
Emerald Coast operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Emerald Coast directly for the exact boundaries and application steps.
Is my money safe at Emerald Coast?
Federal credit unions like Emerald Coast are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Emerald Coast's net worth ratio of 7.86% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Emerald Coast offer compared to banks?
Credit unions like Emerald Coast are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Emerald Coast directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.