credit union · NCUA 3388 · FL
How big is EMERALD COAST?
EMERALD COAST (FL, NCUA charter 3388) reported total assets of $65.4M, 5,095 members and a net worth ratio of 7.79% in its Call Report for 2026Q2. That ranks 2178 of 4,299 federally insured credit unions by assets, 358 of 573 among credit unions with $50m-$100m in assets, 78 of 107 credit unions in florida.
What stands out
EMERALD COAST (FL, NCUA charter 3388) reported total assets of $65.4M, 5,095 members and a net worth ratio of 7.79% in its Call Report for 2026Q2. That ranks 2178 of 4,299 federally insured credit unions by assets, 358 of 573 among credit unions with $50m-$100m in assets, 78 of 107 credit unions in florida. Against its size class: net worth ratio 7.79%, below the peer median of 12.95%; loan-to-share ratio 65.73%, above the peer median of 60.93%; return on assets 0.20%, below the peer median of 0.73%. At 7.79% its net worth ratio is above the 7% NCUA threshold, which puts it in the "well capitalised" band of prompt corrective action; the regulator applies further tests, this page does not.
Key figures, 2026Q2
As filed with the NCUA; ratios computed by FACTANKER. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2026Q2 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $65.4M | $72.1M | $189.2M | $68.3M | record → |
| Shares and deposits | $61.2M | $61.4M | $167.8M | $58.3M | record → |
| Loans outstanding | $40.2M | $37.6M | $130.1M | $34.4M | record → |
| Net income (year to date) | $67.0k | $269.0k | $776.9k | $222.2k | record → |
| Net worth | $5.1M | $9.2M | $23.7M | $9.0M | record → |
| Net worth ratio | 7.79% | 12.95% | 11.17% | 12.65% | record → |
| Loan-to-share ratio | 65.73% | 60.93% | 74.14% | 68.70% | computed |
| Return on assets | 0.20% | 0.73% | 0.60% | 0.71% | computed |
| Members | 5,095 | 5,030 | 13,919 | 4,818 | record → |
Quarter by quarter
45 Call Reports on record, 2015Q2–2026Q2; the 40 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2026Q2 | $65.4M | $61.2M | $40.2M | $67.0k | 7.79% | 5,095 | 2178 |
| 2026Q1 | $64.2M | $60.0M | $40.1M | $18.5k | 7.86% | 5,164 | 2207 |
| 2025Q4 | $63.7M | $59.5M | $41.1M | $-285.3k | 7.90% | 5,231 | 2213 |
| 2025Q3 | $64.3M | $60.2M | $41.7M | $-184.2k | 8.02% | 5,276 | 2210 |
| 2025Q2 | $65.8M | $61.7M | $42.6M | $-54.8k | 8.03% | 5,318 | 2191 |
| 2025Q1 | $65.1M | $61.0M | $43.4M | $3.0k | 8.20% | 5,362 | 2214 |
| 2024Q4 | $63.8M | $60.0M | $44.4M | $1.3k | 8.37% | 5,380 | 2218 |
| 2024Q3 | $66.8M | $62.4M | $43.5M | $126.4k | 8.23% | 5,426 | 2181 |
| 2024Q2 | $67.6M | $63.5M | $45.3M | $113.2k | 8.10% | 5,446 | 2178 |
| 2024Q1 | $67.1M | $63.2M | $45.6M | $80.6k | 8.12% | 5,442 | 2197 |
| 2023Q4 | $64.3M | $60.7M | $45.0M | $617.2k | 8.35% | 5,451 | 2232 |
| 2023Q3 | $62.7M | $58.8M | $43.2M | $554.7k | 8.50% | 5,448 | 2256 |
| 2023Q2 | $64.3M | $60.1M | $41.6M | $414.6k | 8.08% | 5,391 | 2244 |
| 2023Q1 | $64.6M | $60.6M | $39.9M | $135.5k | 7.61% | 5,314 | 2251 |
| 2022Q4 | $62.3M | $58.6M | $38.7M | $304.8k | 7.68% | 5,301 | 2291 |
| 2022Q3 | $63.1M | $59.9M | $37.9M | $163.1k | 7.36% | 5,308 | 2287 |
| 2022Q2 | $64.5M | $60.6M | $36.7M | $109.5k | 7.11% | 5,269 | 2277 |
| 2022Q1 | $65.4M | $61.5M | $32.7M | $55.5k | 7.15% | 5,260 | 2266 |
| 2021Q4 | $62.4M | $58.8M | $30.1M | $160.4k | 7.18% | 5,278 | 2296 |
| 2021Q3 | $63.6M | $59.4M | $25.5M | $80.3k | 7.19% | 5,282 | 2270 |
| 2021Q2 | $62.4M | $58.9M | $25.0M | $-3.5k | 7.24% | 5,270 | 2285 |
| 2021Q1 | $60.9M | $57.4M | $24.6M | $12.7k | 7.11% | 5,263 | 2304 |
| 2020Q4 | $58.1M | $54.0M | $24.4M | $30.9k | 7.43% | 5,260 | 2303 |
| 2020Q3 | $57.3M | $53.3M | $24.1M | $107.6k | 7.67% | 5,285 | 2299 |
| 2020Q2 | $59.1M | $55.4M | $24.0M | $107.3k | 7.43% | 5,381 | 2268 |
| 2020Q1 | $55.8M | $52.1M | $25.4M | $84.9k | 7.84% | 5,412 | 2249 |
| 2019Q4 | $53.6M | $50.4M | $26.3M | $314.0k | 8.00% | 5,515 | 2270 |
| 2019Q3 | $56.3M | $52.5M | $26.4M | $229.8k | 7.48% | 5,458 | 2214 |
| 2019Q2 | $58.6M | $55.3M | $26.0M | $200.5k | 7.14% | 5,378 | 2180 |
| 2019Q1 | $59.2M | $55.9M | $26.0M | $142.9k | 7.76% | 5,378 | 2176 |
| 2018Q4 | $57.5M | $54.5M | $26.3M | $339.0k | 7.95% | 5,329 | 2190 |
| 2018Q3 | $47.7M | $44.6M | $27.0M | $276.7k | 8.21% | 5,316 | 2372 |
| 2018Q2 | $48.2M | $45.1M | $26.2M | $183.4k | 7.95% | 5,237 | 2386 |
| 2018Q1 | $47.0M | $44.1M | $26.0M | $74.5k | 7.91% | 5,176 | 2406 |
| 2017Q4 | $45.6M | $42.7M | $25.8M | $147.6k | 8.00% | 5,157 | 2414 |
| 2017Q3 | $46.4M | $43.3M | $25.5M | $165.7k | 7.89% | 5,122 | 2412 |
| 2017Q2 | $48.1M | $45.0M | $24.9M | $144.9k | 7.57% | 5,095 | 2385 |
| 2017Q1 | $47.4M | $44.4M | $24.8M | $78.8k | 7.55% | 5,044 | 2411 |
| 2016Q4 | $45.3M | $42.4M | $24.8M | $154.0k | 7.72% | 4,997 | 2432 |
| 2016Q3 | $46.1M | $43.1M | $23.8M | $92.1k | 7.45% | 4,951 | 2410 |
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