EMERALD COAST
Federal • Port St Joe, Florida • Est. 1939
Quick Facts
- Charter Number
- #3388
- Type
- Federal
- Established
- 1939
- Headquarters
- Port St Joe, Florida 32456-1744
- Address
- 502 WOODWARD AVE
- Branches
- 3
- ATMs
- 3
- Members
- 5,164
- Membership Type
- Community
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 7% and a delinquency rate below 2%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
5,164 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | EMERALD COAST |
|---|---|
| Total Assets | $64.2M |
| Members | 5,164 |
| Loans Outstanding | $40.1M |
| Shares & Deposits | $60.0M |
| Net Worth | $5.0M |
| Net Worth Ratio | 7.86% |
| Loan-to-Share Ratio | 66.9% |
| Delinquency Rate | 0.30% |
| Net Income | +$0 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
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.
Find More Credit Unions in Florida
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View Florida RankingsFrequently Asked Questions
EMERALD COAST is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, EMERALD COAST has 5,164 members and a potential membership field of 30,538 people.
EMERALD COAST's reported net worth ratio is 7.86% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
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 (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or EMERALD COAST. All financial data is for informational purposes only.