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EMERALD COAST FEDERAL CREDIT UNION

Dec, 31, 2023 — EMERALD COAST FEDERAL CREDIT UNION is a federal credit union headquartered in PORT ST JOE, FL with 3 branch locations and about $64.29 million in total assets. Opened 85 years ago in 1939, EMERALD COAST FEDERAL CREDIT UNION has about 5,451 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)
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:5,451
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, 2022
FHLB Member:No
Low Income Designation:No
Assets:$64,293,475
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 2,581,884
TOTAL INVESTMENTS 0
Loans Held for Sale 0
 
 Real Estate Loans 10,063,905
 Unsecured Loans 4,040,392
 Other Loans 30,861,776
 TOTAL LOANS 44,966,073
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -326,864
 Land And Building 1,483,899
 Other Fixed Assets 121,387
 NCUSIF Deposit 566,320
 All Other Assets 149,680
  TOTAL ASSETS 64,293,475
LIABILITIES & CAPITAL:  
 Dividends Payable 4,046
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 253,003
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 18,561,406
 Regular shares 28,831,857
 All Other Shares & Deposits 13,340,518
  TOTAL SHARES & DEPOSITS 60,733,781
  TOTAL LIABILITIES 60,990,830
 Regular Reserve 0
 Other Reserves -2,009,693
 Undivided Earnings 5,312,338
  TOTAL EQUITY 3,302,645
  TOTAL LIABILITIES, SHARES, & EQUITY 64,293,475
INCOME & EXPENSE  
 Loan Income 2,359,702
 Investment Income 214,949
 Other Income 372,469
 Total Employee Compensation & Benefits 1,099,646
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 1,383,261
 Non-operating Income & (Expense) 82,980
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 131,380
 Cost of Funds 204,789
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 617,162
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