EMERALD COAST

PO BOX 128
Port St Joe, FL 32457

 

2019 Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 3388
Date Established 1939
Assets $59.18 million
Loans $26.00 million
Deposits $55.93 million
Capital $4.13 million

Emerald Coast is an NCUA insured institution located in Port St Joe, FL. It was founded in 1939 and has approximately $59.18 millions in assets.

Field of Membership Restrictions

Membership is open to those who live, work, worship, or attend school in, or have businesses and other legal entities in Gulf or Franklin County or the City of Mexico Beach.

Deposit Rates - August 17, 2019

Your Current Location: Virginia, VA 20146

We do not yet have rates for Emerald Coast

We're working to get deposit rates for every credit union in the world. Please bare with us until we are able to get rates for this credit union.

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Note to Emerald Coast
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There are currently no rates available for Emerald Coast, but see these great savings and CD rates:

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Loan Rates - August 17, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for EMERALD COAST

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
3.414% 3.375% 0.50 $1,238 $1,106 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
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Note to EMERALD COAST
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Branches

Below are Emerald Coast branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Emerald Coast Locations


Financial Details

Emerald Coast Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Emerald Coast. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Emerald Coast U.S. Average
9.59% 6.77

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of March 31, 2019, Emerald Coast had $421,443 in non-current loans and $4,978 in owned assets. To cover these potential losses it had $4,129,237 in net worth and $319,224 in loans loss reserves. That gives it a Texas Ratio of 9.59%.

Net Worth
Emerald Coast U.S. Average
7.76% 13.47%

Emerald Coast FCU has a net worth of 7.76% versus the BestCashCow average of 13.47. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Emerald Coast

Branches and Savings

What is Emerald Coast?

A federal credit union, registered with the NCUA under certificate #3388.
Learn more about credit unions here.

Is Emerald Coast FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Emerald Coast?

Please see Field of Membership information above for information on who is eligible to join.

What are Emerald Coast's share account and share certificate rates?

Emerald Coast's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Emerald Coast?

Emerald Coast has total capital of $4.13 million. Full information on Emerald Coast's financial position is located above.

Who owns Emerald Coast?

Credit Unions are owned by their members.

Where are Emerald Coast branches located?

See branch locations nearby.

Are Emerald Coast ATMs Open 24/7?

Do Emerald Coast ATMs accept cash deposits?

Can Emerald Coast customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Emerald Coast have a mobile app?

Does Emerald Coast have mobile deposit?

Does Emerald Coast have quick pay?

How can Emerald Coast transfer money to other banks or credit unions?

Does Emerald Coast report to credit bureaus?

Does Emerald Coast use Chexsystems?

Does Emerald Coast use Equifax?

What is Emerald Coast's toll free phone number?

What is Emerald Coast's ACH Routing Number?

What is Emerald Coast's SWIFT code?

Where can I find Emerald Coast's wire transfer form?

What is the Emerald Coast address for deposits?

What Products Does Emerald Coast Offer

Does Emerald Coast offer mortgages?

Compare mortgage rates here.

Does Emerald Coast offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Emerald Coast offer auto and RV loans?

Compare auto loan rates here.

Does Emerald Coast offer student loans or personal loans?

Compare personal loan rates here.

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