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
Call Report peers
Emerald Coast in the assets neighbourhood
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Emerald Coast vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Emerald Coast sits in 70-74 with 317 others.
72 20th percentile higher than 20% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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).
- One place up in Florida, VYSTAR (#99) ties at 72/100; one place down, Miami Postal Service (#101) scores 71/100, 1 point lower.
How Emerald Coast's 5300 filing moved
Emerald Coast: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.9% from $63.7M (2025Q4) to $64.2M (2026Q1).
- Net-worth ratio shifted -0.04 pp (7.90% → 7.86%).
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
Emerald Coast gives up 28 points in total. Member Growth costs the most, 11 of its 15; Loan-to-Share Ratio loses the least, 0.2.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Emerald Coast financially healthy?
Emerald Coast has a financial health score of 72/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,496 of 4,374 nationally on health and #100 of 109 in Florida. Its net worth ratio is 7.86% and its delinquency rate 0.57%.
How does Emerald Coast compare to other credit unions?
Emerald Coast scores 72/100, higher than 20% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (69.05% vs 62.60%). Its widest shortfall is net worth ratio (7.86% vs 13.62%).
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?
Emerald Coast is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.