EMERALD COAST
Federal • PORT ST JOE, Florida • Est. 1939
Quick Facts
- Charter Number
- #3388
- Type
- Federal
- Established
- 1939
- Headquarters
- PORT ST JOE, Florida 32457-0128
- Address
- PO BOX 128
- Branches
- 3
- ATMs
- 3
- Members
- 5,231
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Above-average financial health. Net worth is strong and key ratios are within normal ranges, with minor areas to monitor.
Financial Overview
Total Assets
Members
5,231 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | EMERALD COAST |
|---|---|
| Total Assets | $63.7M |
| Members | 5,231 |
| Loans Outstanding | $41.1M |
| Shares & Deposits | $59.5M |
| Net Worth | $5.0M |
| Net Worth Ratio | 7.90% |
| Loan-to-Share Ratio | 69.0% |
| Delinquency Rate | 0.57% |
| Net Income | +$254,052 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
3 locations · 3 ATMs
EMERALD COAST FEDERAL CREDIT UNION
Main Office502 WOODWARD AVE
PORT ST JOE, FL 32456-1744
EMERALD COAST FEDERAL CREDIT UNION
101 E RIVER RD
WEWAHITCHKA, FL 32465-4933
Emerald Coast Federal Credit Union
282 US Highway 98
Eastpoint, FL 32328
Who Can Join EMERALD COAST?
Membership Type: Community
Membership eligibility for EMERALD COAST may vary. Contact the credit union directly to confirm qualification requirements.
Contact EMERALD COAST directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Florida RankingsFrequently Asked Questions
Yes. EMERALD COAST is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, EMERALD COAST has 5,231 members and a potential membership field of 30,538 people.
EMERALD COAST's net worth ratio is 7.90% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 7.9%, EMERALD COAST meets this threshold.
EMERALD COAST operates 3 branch locations and has access to 3 ATMs. The main office is located at 502 WOODWARD AVE, PORT ST JOE, FL 32456-1744.
EMERALD COAST was established in 1939. It is a federal credit union chartered under charter number 3388. The institution has been serving members for 87 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or EMERALD COAST. All financial data is for informational purposes only.