Credit union · NCUA insured
Emerald Coast FCU
A $64.2M credit union headquartered in Port St. Joe, FL, with 5,164 members and 3 branches in Florida. Best rates: CDs 3.25% and savings 0.01% APY.
Emerald Coast FCU Carrot Score
70
Carrot Score
Higher than 27% of U.S. banks and credit unions
#135 of 182 in FloridaHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Emerald Coast FCU
Chartered in 1939 as St. Joe Papermakers Federal Credit Union to serve local paper mill employees and their families, Emerald Coast Federal Credit Union is a locally owned financial cooperative.
In 1998, the credit union adopted its current name and converted to a community charter, later expanding its field of membership to Franklin County in 2012.
Headquartered in Port St. Joe, Florida, it operates three branch locations across Gulf and Franklin counties.
- Headquarters
- 502 Woodward Ave, Port St. Joe, FL 32456-1744
- NCUA charter
- 3388
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in, or businesses and other legal entities in Gulf County, Franklin County, or the City of Mexico Beach are eligible for membership.
Branches
3 branches in Florida
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Florida
3 branches
Port St. Joe area · 1
- Emerald Coast Federal Credit UnionMain office502 Woodward Ave, Port St. Joe, FL 32456Directions
Eastpoint area · 1
- Emerald Coast Federal Credit Union282 US Highway 98, Eastpoint, FL 32328Directions
Wewahitchka area · 1
- Emerald Coast Federal Credit Union101 E River Rd, Wewahitchka, FL 32465Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 7.79% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.32% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.21% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $66 | $59 | — |
- CapitalNet worth ratio7.79%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.32%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.21%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$66Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Emerald Coast FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.