Institution profile

EMERALD COAST

Credit union · Active · Main office: PORT ST JOE, FL

Profile data observed August 6, 2026

Identity verified through NCUA; additional sources pendingVerification describes the US Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology

Public-record data only. Not a recommendation, lender endorsement, or rate comparison. Verify current licensing, product availability, and terms independently.

NCUA identity

NCUA charter number: 3388
Credit union type: Federal credit union
Federal insurance: Federally insured through the NCUA / National Credit Union Share Insurance Fund
Low-income designation: Yes

NCUA-reported main office

Main office is the location classification reported in the NCUA source and is not presented here as a legal-headquarters determination.

Address line 1: 502 WOODWARD AVE
City: PORT ST JOE
State: FL
ZIP: 32456-1744
County: Gulf
Country: United States
Phone: 8502271156
Hours: MON/TUES/THURS 9AM-5PM WED 9AM-1PM FRI 9AM-5:30PM

NCUA quarterly financial summary

Data period: March 31, 2026

Members: 5,164
Total assets: $64,195,924
Total loans — all reported loan categories: $40,111,592
Shares and deposits: $59,982,305
Return on average assets: 0.12%
Net worth ratio: 7.86%
Loan-to-share ratio: 66.87%

NCUA total-loan balances are institution-wide and are not presented as mortgage volume.

Four-quarter growth metrics

Shares/deposits four-quarter growth: -1.61%
Loans four-quarter growth: -7.55%
Assets four-quarter growth: -1.45%
Members four-quarter growth: -3.69%
Net-worth four-quarter growth: -5.08%

Location characteristics

Source-reported location characteristics. These fields are not recommendations or quality indicators.

Member services: Yes
ATM: Yes
Drive-thru: Yes
Shared service-center network: No

NCUA source dates

NCUA call-report date: March 31, 2026
NCUA locations data date: March 31, 2026
NCUA locations observed: August 7, 2026

Additional profile fields

Fields below supplement the primary source baseline and are shown only when present on the public profile.

Entity type: Federally insured federal credit union