Emerald Coast
Emerald Coast is a credit union based in Port St Joe, Florida, established in 1939, with $64 million in total assets serving 5,164 members. By Trust Grade it ranks 102nd of 107 credit unions we track in Florida. Its net worth ratio of 7.9% trails most similarly sized credit unions (4th percentile), versus a Florida median of 11.1%. It was profitable over the most recent period, with a 0.12% return on assets. No consumer complaints against Emerald Coast appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Emerald Coast compares to Florida peers
How we graded Emerald Coast
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (7.9% capital ratio)
- Profitable (ROA 0.12%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Emerald Coast over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Emerald Coast insured?
Yes. Emerald Coast is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Emerald Coast: frequently asked questions
Is Emerald Coast a good credit union?
Emerald Coast earns a Bankzia Trust Grade of C (76/100, "Average"), based on a financial-strength score of 76/100 (it has no CFPB complaints on record). Well-capitalized (7.9% capital ratio); Profitable (ROA 0.12%).
Is Emerald Coast NCUA-insured?
Yes. Emerald Coast is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Emerald Coast?
Emerald Coast holds $64 million in total assets, ranking 102nd of 107 credit unions we track in Florida. It serves 5,164 members.
Does Emerald Coast have CFPB complaints?
No CFPB complaints against Emerald Coast appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
