EMERALD COAST Credit Union Profile

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EMERALD COAST

Charter #3388 | NCUA Region 2 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (850) 227-1156

Fax: (850) 229-8584

Founding Date: N/A

Website: https://www.emeraldcoastfcu.com

Personnel & Operations

President: Gannon, Sue

Manager: REDMOND, APRIL

FT Employees: 19

PT Employees: 1

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 66

Branches: 3

Hours: MON/TUES/THURS 9AM-5PM WED 9AM-1PM FRI 9A

Credit Union Profile Summary

EMERALD COAST is a FCU Credit Union. With a total of 5,318 members [1], this institution manages approximately $65,801,251 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 8.03% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -5.95% [1].

Financial Snapshot

Total Assets [1]
$65,801,251

Total economic resources.

Total Loans [1]
$42,585,772

Total value of outstanding loans.

Total Deposits [1]
$61,666,323

Total funds deposited by members.

Members [1]
5,318

Number of active members.

Performance Ratios

Net Worth Ratio [1]
8.03%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
-0.17%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
69.06%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↓ -2.73%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↓ -5.95%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↓ -2.35%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

502 WOODWARD AVE

PORT ST JOE, FL, 32456-1744
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 3 branches reported by EMERALD COAST (Charter #3388).

Main Office

EMERALD COAST FEDERAL CREDIT UNION Main Office

Type: Corporate Office

502 WOODWARD AVE

Port St Joe, FL 32456-1744

Phone: (850) 227-1156

Services: Member Services, ATM, Drive-Thru

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Additional Branches

Eastpoint

Emerald Coast Federal Credit Union

Type: Branch Office

282 US Highway 98

Eastpoint, FL 32328

Phone: (850) 670-1199

Services: Member Services, ATM, Drive-Thru

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Wewahitchka

EMERALD COAST FEDERAL CREDIT UNION

Type: Branch Office

101 E RIVER RD

Wewahitchka, FL 32465-4933

Phone: (850) 639-5024

Services: Member Services, ATM, Drive-Thru

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