# EMERALD COAST
PORT ST JOE, FL · NCUA charter 3388 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/emerald-coast-3388

Who the members are: federal charter, community charter, organized 1939, low-income designated. 5,164 members of 30,538 potential (16.9% of the field); checking penetration 66% (share draft accounts per 100 members); loans per 100 members 52.

**Verdict on the desk:** this could be *ordinary*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $64.2M |
| Members | 5,164 (-3.7% YoY) |
| Full-time staff | 18 |
| Net worth | $5.0M |
| Net worth ratio | 7.9% (p4 of band) |
| ROA (annualized) | 0.11% (p19 of band) |
| Total delinquency | 0.30% (p29 of band) |
| Net charge-offs (annualized) | 0.62% (p77 of band) |
| Loans / shares | 67% (p60 of band) |
| Cash / assets | 23.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.53% (p43 of band) |
| Operating expense / assets | 4.38% (p75 of band) |
| Vehicles % of loans | 36% (p38 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.11% (p18 of band) |
| Vehicle NCO | 0.67% (p73 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 28% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 132% |
| Core shares % of member funds | 74% |
| Certificates % of member funds | 23% |
| Average share balance | $6,521 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $7.4M |
| Loans outstanding per 100 members | 52% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $14,812 |
| Loans granted, annualized | $7.6M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $7.4M outstanding purchased (147.3% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares -1.6% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, delinquency 2x band, repo signal |  |
| 2016-06 | 1 |  | delinquency 2x band, repo signal |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | delinquency rising |  |
| 2017-09 | 3 | repo signal |  |
| 2017-12 | 1 |  | delinquency rising, repo signal |
| 2018-03 | 3 | delinquency 2x band, delinquency rising |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 5 | capital below 7% |  |
| 2019-03 | 3 |  | delinquency 2x band, delinquency rising |
| 2019-06 | 1 |  | capital below 7% |
| 2019-09 | 2 | delinquency 2x band |  |
| 2019-12 | 3 | assets shrinking |  |
| 2020-03 | 4 | delinquency rising |  |
| 2020-06 | 5 | net worth falling, margin squeeze | assets shrinking |
| 2020-09 | 5 | members leaving | net worth falling |
| 2020-12 | 5 | repo signal | delinquency rising |
| 2021-03 | 4 | net worth falling | members leaving, repo signal |
| 2021-06 | 7 | capital below 7%, losing money |  |
| 2021-09 | 5 |  | net worth falling, losing money |
| 2021-12 | 2 |  | margin squeeze, capital below 7% |
| 2022-03 | 4 | capital below 7% |  |
| 2022-06 | 1 |  | delinquency 2x band, capital below 7% |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 3 | delinquency 2x band, delinquency rising |  |
| 2023-12 | 3 | repo signal | delinquency 2x band |
| 2024-03 | 4 | net worth falling |  |
| 2024-06 | 4 |  |  |
| 2024-09 | 2 |  | delinquency rising, net worth falling |
| 2024-12 | 3 | delinquency 2x band, delinquency rising | repo signal |
| 2025-03 | 2 | repo signal | delinquency 2x band, delinquency rising |
| 2025-06 | 6 | net worth falling, losing money, delinquency 2x band, delinquency rising |  |
| 2025-09 | 7 | charge-offs p90, assets shrinking | delinquency rising |
| 2025-12 | 4 |  | repo signal, delinquency 2x band, assets shrinking |
| 2026-03 | 3 | members leaving | losing money, charge-offs p90 |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-11 [ACC Civic Leaders Immerse in Emerald Coast Airpower > Air Combat Command > Article Display - acc.af.mil](https://news.google.com/rss/articles/CBMisgFBVV95cUxPXzRwVkdJRzVlS0sxM1RQYmg5MTBLVlMwd1k2aks0V0pBcklxZ290ZF9CT3dxV0o1YVRCUGNqVTdFWnNEbENMLWFOVFJqNHRySURYV3YwU09lLVd4M2NoM01Hd0tCNTEwaS1BYlVnbkJpNE1xTWc4UGtqTU9LcDMwOXNyclo4R3ljVnAxamhscWZGN0lsSzJqUjZzT1FhcllzdjB3ejRmUld5QWw0SzdnNW9B?oc=5) · acc.af.mil
- 2026-03-24 [Eglin Federal Credit Union opens new Pace branch - Get The Coast](https://news.google.com/rss/articles/CBMifkFVX3lxTE9sYjBLR2U0eGdrR1lMMmFNRkhKSTM0X1J2UHdWbEpRWHlrVlU3MjFQazlhNWRDRlR5ZFhGTFRiNzVVcXR5ODFyYmpNWXgwSW1mc2JZOGJSdGM1LTFUbHBBS04tRWV3YzZIRUU2cUtPVkdrc1Zac1hnYzZxM1AyZw?oc=5) · Get The Coast
- 2026-06-24 [Golden Hour for Good: Popular Wine & Fries Event Returns to Destin - Mid Bay News](https://news.google.com/rss/articles/CBMilgFBVV95cUxPOWZXZnlJRHpEcHNlakdpWXZIWUcwQURqZWVrY3FIeUZ5c2lRVWxQTVBVTFhWMldkUVo4RnZRMzFLX2wwTWc3ZGpQX1lmSE1nXzhXcUlLSWhPWkV6dERqM3U4NzhZaWtLYnR3bXpfMExPdWNxRFRBdGNIQU1pMWN0RkZaRFphTW5ZLWc1OWlkWndCVjAyLVE?oc=5) · Mid Bay News
- 2026-04-08 [Francis Melvin Obituary (2026) - Milton, FL - Lewis Funeral Homes & Crematory - Milton Chapel - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxQTmlWWUtpaGlKOEtHUHFNdldZS0V5ejEzT2RiSGhJT091RGFGbHNnR3MyeGpRNzNqd1NHOEFyZVhIdlNYQTN1Q2hGakFHNFVFS0wyczRudHp4SmlkSmJMeS1BVXhvT3B2YXdUZVdyZm1nQ0R5Tlk4N1gxZDB3MG04WVp0NA?oc=5) · legacy.com
- 2026-03-24 [Eglin Federal Credit Union announces 100,000 sqft Operations Center in Fort Walton Beach - Get The Coast](https://news.google.com/rss/articles/CBMihgFBVV95cUxPbkFuWW9pMkRwU18xWm9ZUndmRjJfMXFTdGdoTExvU19QTkJySGdIN3laZUJmQlQ5S2pSY2tUbUlraHZqckhoTkk2UnFfWFd4M3I1T1FOUVlFYW1ETGVHbFNCTDVmU0lwMWx5R1BYM1BGRnd1U1lzVmNHV3hXaVJrNTBUeHlPdw?oc=5) · Get The Coast
- 2025-11-07 [Obituary information for Dolores E. Tregoning - Emerald Coast Funeral Home](https://news.google.com/rss/articles/CBMijAFBVV95cUxPRU8yOWd2VVpHM2tIcUZGcW4yRVEzY3dFNTUwbmV3LWJ2OVREdUdkNjd1S0xRUGRYZHRCRW9zbFlzbTNJQnc4WEhJSGFlRWFBSV9hMGlHYy12Z1c4eUliczZDTDN4VUJJRzBxSFd6enpSM28yZmtFdkZ1TkJEYldEc2kxS0VVQzd5V3lVaQ?oc=5) · Emerald Coast Funeral Home
- 2026-03-25 [Eglin Federal Credit Union opens new location in DeFuniak Springs - Get The Coast](https://news.google.com/rss/articles/CBMilAFBVV95cUxNNkFOcXgyd0NlNlU1MzBhREt2Q09aN1MxREtISFNVVlpXbVpvTVQ3dEpUYmpZay0yU2s3R1BlRHcxTXo4M3BzUS1jbnVIXzRfYnBacEFqU1VRd2RTRnIwb2daZmluZlAxVjZhSTIwc2lpRzBfd212c185cEZnTUU3SUljdHFSbklhWFBVdDNwa05EQXFH?oc=5) · Get The Coast
- 2024-09-04 [Eglin Federal Credit Union Promotes Neko Stubblefield to Senior VP of Membership and Community Development - Florida Chamber of Commerce](https://news.google.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?oc=5) · Florida Chamber of Commerce

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=3388 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/60.json (key "3388", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=3388
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide