Sep, 30, 2025 — EMERALD COAST FEDERAL CREDIT UNION is a federal credit union headquartered in PORT ST JOE, FL with 3 branch locations and about $64.32 million in total assets. Opened 87 years ago in 1939, EMERALD COAST FEDERAL CREDIT UNION has about 5,276 members and employs 19 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | EMERALD COAST FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 502 WOODWARD AVE PORT ST JOE, FL 32456-1744 |
| Phone: | (850) 227-1156 |
| Fax: | (850) 229-8584 |
| Website: | https://www.emeraldcoastfcu.com |
| Branches: | 3 branch locations |
| Members: | 5,276 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 3388 |
|---|---|
| Membership Type: | Community - Rural District |
| Corporate Credit Union: | No |
| Year Opened: | 1939 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $64,324,259 |
| CEO/Manager: | APRIL L REDMOND |
| Chairperson: | Sue Gannon |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 4,481,314 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 10,979,067 |
| Unsecured Loans | 3,890,357 |
| Other Loans | 26,797,855 |
| TOTAL LOANS | 41,667,279 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -348,296 |
| Land And Building | 1,387,359 |
| Other Fixed Assets | 198,812 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 567,812 |
| All Other Assets | 234,175 |
| TOTAL ASSETS | 64,324,259 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 718,982 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 18,876,451 |
| Regular shares | 26,525,647 |
| All Other Shares & Deposits | 14,828,269 |
| TOTAL SHARES & DEPOSITS | 60,230,367 |
| TOTAL LIABILITIES | 60,949,349 |
| Regular Reserve | 0 |
| Other Reserves | -1,754,531 |
| Undivided Earnings | 5,129,441 |
| TOTAL EQUITY | 3,374,910 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 64,324,259 |
| INCOME & EXPENSE | |
| Loan Income | 1,902,304 |
| Investment Income | 249,656 |
| Other Income | 261,469 |
| Total Employee Compensation & Benefits | 926,555 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 1,148,530 |
| Non-operating Income & (Expense) | 1,843 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 391,458 |
| Cost of Funds | 412,623 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | -184,224 |
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