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EMERALD COAST FEDERAL CREDIT UNION

Jun, 30, 2021 — EMERALD COAST FEDERAL CREDIT UNION is a federal credit union headquartered in PORT ST JOE, FL with 3 branch locations and about $62.37 million in total assets. Opened 82 years ago in 1939, EMERALD COAST FEDERAL CREDIT UNION has about 5,270 members and employs 18 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)
PO BOX 128
PORT ST JOE, FL 32457-0128
Phone:(850) 227-1156
Fax:(850) 229-8584
Website:http://www.emeraldcoastfcu.com
Branches:3 branch locations
Members:5,270
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, 2020
FHLB Member:No
Low Income Designation:No
Assets:$62,373,410
CEO/Manager:APRIL L REDMOND
Chairperson:Sue Gannon

Call Report

  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 12,289,663
TOTAL INVESTMENTS 19,370,208
Loans Held for Sale 0
 
 Real Estate Loans 6,425,470
 Unsecured Loans 3,247,715
 Other Loans 15,339,019
 TOTAL LOANS 25,012,204
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -276,991
 Land And Building 1,615,217
 Other Fixed Assets 227,271
 NCUSIF Deposit 515,512
 All Other Assets 3,620,326
  TOTAL ASSETS 62,373,410
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 763,015
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 20,471,512
 Regular shares 32,722,016
 All Other Shares & Deposits 5,706,739
  TOTAL SHARES & DEPOSITS 58,900,267
  TOTAL LIABILITIES 59,663,282
 Regular Reserve 232,898
 Other Reserves -1,606,470
 Undivided Earnings 4,083,700
  TOTAL EQUITY 2,710,128
  TOTAL LIABILITIES, SHARES, & EQUITY 62,373,410
INCOME & EXPENSE  
 Loan Income 720,485
 Investment Income 75,003
 Other Income 132,257
 Total Employee Compensation & Benefits 485,011
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 598,909
 Non-operating Income & (Expense) -22,851
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 22,291
 Cost of Funds 6,370
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) -3,462
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