CU Explorer
Credit unions · Florida · Q2 2026

Emerald Coast FCU

Credit union in Port St Joe, FL · NCUA charter #3388 · Federal charter

Legal name: Emerald Coast

Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.

Total assets$65.4M
Total loans & leases$40.2M
Total shares & deposits$61.2M
Members5,095
Net worth$5.1M
Net worth / assets7.79%
Loans / assets61.53%
Return on assets (annualized)0.20%
Loan growth (YoY)−5.50%
Member growth (YoY)−4.19%
Delinquency, all loans (60+ days)0.32%
CharterFederal charter
Asset band$50M–$250M
NCUA peer group$50M–$100M
Sponsor typeCommunity

AI readiness

No public evidence

Nothing public says the credit union uses AI.

No public evidence found as of 2026-09-22. Checked: its website, announcements by AI vendors, news search. Absence of evidence is not evidence of absence; a credit union may use AI without saying so publicly.

Filed signals, from the credit union's own NCUA call report (Q2 2026): uses fintech partners, fintech mortgage lending, fintech P2P payments, online membership application, online loan application, online loan payments, bill payment, e-signature, e-Statements, external transfers / ACH, mobile payments. These are relationships and channels, not AI as such.

The AI Score runs from one to five stars; one star, no public evidence, is never shown on a credit union. Scores and sources for every credit union: CU AI Ready Report.

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