Emerald Coast Federal Credit Union Port Saint Joe, Florida
Emerald Coast Federal Credit Union is a federal credit union headquartered in Port Saint Joe, FL, established in 1939 (NCUA charter 3388), and it is regulated and insured by the NCUA. At Q2 2026 it reported 5,095 members and total assets of $65.4M (down 0.6% from Q2 2025), the 77th largest of 106 credit unions headquartered in Florida. Its net worth ratio was 7.79% at Q2 2026, in the well capitalized band.
Also written as Emerald Coast FCU
BankRegReports is independent of Emerald Coast Federal Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 3388
- Headquarters
- Port Saint Joe, FL
- Established
- 1939
- Total assets, Q2 2026
- $65.4M
- Assets vs Q2 2025
- -0.6%
- Members, Q2 2026
- 5,095
- Net worth ratio, Q2 2026
- 7.79%
- Latest call report
- Q2 2026, NCUA 5300 · Emerald Coast Federal Credit Union call report
- Asset rank in state
- 77th of 106 in Florida
- Routing number
- 263281967
- Branches
- 3
It has 223 fewer members than on June 30, 2025 (-4.2%). Its net worth ratio was down 0.24 percentage points from 8.03% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $12.2M of $40.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.32% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 7.79% net worth ratio is below that band's 14.31% median.
Frequently asked about Emerald Coast Federal Credit Union
How big is Emerald Coast Federal Credit Union?
At Q2 2026 it reported total assets of $65.4M and 5,095 members.
Where is Emerald Coast Federal Credit Union headquartered?
It is headquartered in Port Saint Joe, FL, United States.
When was Emerald Coast Federal Credit Union founded?
It was established in 1939, per NCUA records.
Is Emerald Coast Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 3388): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Emerald Coast Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Emerald Coast Federal Credit Union well capitalized?
Its net worth ratio was 7.79% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Emerald Coast Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.32% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Emerald Coast Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 65.73% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Port Saint Joe, FL 32456
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1939
- NCUA Charter #
- 3388
- RSSD ID
- 653572
- Members
- 5,095
- Potential members
- 30,538
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 7.79% | 14.31% | under 10th bottom |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.30% | 0.72% | 31st below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 3.81% | 4.74% | 44th below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.76% | 3.93% | 43rd below |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 87.89% | 79.83% | 33rd below |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.77% | 0.78% | 51st above |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.32% | 0.86% | 77th top |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.53% | 4.70% | 41st position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 65.73% | 58.92% | 60th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$65.4M total assets against $65.8M; $61.2M total shares and deposits against $61.7M; $40.2M total loans against $42.6M.
$5.1M net worth against $5.3M.
7.79% net worth ratio against 8.03%.
65.73% loan-to-share ratio against 69.06%.
0.32% delinquency ratio against 1.82%.
0.30% return on assets against -0.35%; 3.81% return on equity against -4.37%.
3.76% net interest margin against 3.52%.
5,095 members against 5,318.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 7.79% | 0.30% | 0.32% | 65.73% |
| March 31, 2026 | 7.86% | 0.11% | 0.30% | 66.87% |
| December 31, 2025 | 7.90% | -0.64% | 0.57% | 69.05% |
| September 30, 2025 | 8.02% | -0.80% | 1.32% | 69.18% |
| June 30, 2025 | 8.03% | -0.35% | 1.82% | 69.06% |
| March 31, 2025 | 8.20% | 0.02% | 0.75% | 71.17% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.