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Emerald Coast
PORT ST JOE, FL · NCUA Charter #3388 · Federal charter · Chartered 1939
Total assets
$65.41M
Shares & deposits
$61.23M
Total loans
$40.25M
Members
5,095
Net worth
$5.10M
Branches
3
Rank: #2,178 of 4,299 U.S. credit unions by assets · #78 of 107 in Florida. Assets changed -0.6% and membership -4.2% over the year to June 30, 2026.
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Key ratios
| Net worth ratio (capital) | 7.79% |
| Return on assets (annualized, approx.) | 0.00% |
| Delinquent loans, 2+ months (share of loans) | 0.08% |
| Loans to shares & deposits | 65.7% |
| Net income (YTD) | $0 |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $64.54M | $60.64M | $0 | $4.59M |
| Jun 2023 | $64.26M | $60.11M | $0 | $5.20M |
| Jun 2024 | $67.65M | $63.53M | $0 | $5.49M |
| Jun 2025 | $65.80M | $61.67M | $0 | $5.29M |
| Jun 2026 | $65.41M | $61.23M | $0 | $5.10M |
Branch footprint
| State | Branches |
|---|---|
| Florida | 3 |
Similar-sized credit unions
Southeastern Ohio ($65.44M) · Superior Credit Union ($65.38M)
Source: NCUA Call Report (Form 5300) as of June 30, 2026. Credit unions are member-owned cooperatives; deposits are insured by the NCUSIF. See methodology.
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