EMERALD COAST
Charter #3388 · PORT ST JOE, FL · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 7.86% sits at the 2nd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.61% sits at the 80th percentile of structural peers — worth a closer look.
- Efficiency ratio of 94.54% sits at the 80th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | EMERALD COAST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $64.20M | 34th pct | 43th pct |
| Members | 5,164 | 53th pct | 52th pct |
| Net worth ratio | 7.86% | 3th pct | 2th pct |
| Return on average assets | 0.12% | 19th pct | 26th pct |
| Net interest margin | 3.54% | 41th pct | 46th pct |
| Cost of funds | 0.87% | 47th pct | 44th pct |
| Loan-to-share | 66.87% | 60th pct | 51th pct |
| Delinquency 60+ days | 0.30% | 29th pct | 34th pct |
| Net charge-off ratio | 0.61% | 77th pct | 80th pct |
| Loan growth YoY | -3.73% | 29th pct | 18th pct |
| Share growth YoY | -0.41% | 14th pct | 15th pct |
| Efficiency ratio | 94.54% | 89th pct | 80th pct |
structural peer set hash: 7983c70e89b2310cf50417a2ccfcba53… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.