Port St Joe, Florida · Peer group 4
Emerald Coast Credit Union
Emerald Coast Credit Union holds $64.2M in assets across 5,164 members as of Q1 2026 — about $12K of assets per member, on a charter dating to 1939. Charter number 3388, in the $50M-$100M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $64.2M |
|---|---|
| Total loans | $40.1M |
| Total shares (deposits) | $60.0M |
| Net worth | $5.0M |
| Members | 5,164 |
| Assets per member | $12K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -1.4% | |
|---|---|---|
| Loans | -7.5% | around the 16th percentile of its peer group |
| Deposits | -1.6% | around the 22nd percentile of its peer group |
| Members | -3.7% | around the 22nd percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 66.9% | around the 60th percentile of its peer group |
|---|---|---|
| Net worth ratio | 7.9% | lower than 97% of its peer group |
| Return on assets | 0.11% | around the 19th percentile of its peer group |
| Delinquency ratio | 0.30% | around the 29th percentile of its peer group |
| Cash / assets | 14.0% | around the 71st percentile of its peer group |
| Borrowings / assets | 0.0% | around the 47th percentile of its peer group |
What this page does not show
Everything above is Emerald Coast Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Florida — the comparison set a peer ratio is measured against.
- Priority Credit Union
Orlando, FL
$56.1M · 4,456 members
- Everglades Credit Union
Clewiston, FL
$55.9M · 5,458 members
- Ocala Community Credit Union
Ocala, FL
$49.1M · 2,552 members
- Jackson County 1st Credit Union
MARIANNA, FL
$48.5M · 2,768 members
- Ficare Credit Union
Wesley Chapel, FL
$81.1M · 8,061 members
- Miami Credit Union
MIAMI, FL
$43.8M · 2,619 members
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