Emerald Coast

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets

$63.7M

15^th percentile

Members

5,231

27^th percentile

Total loans

$41.1M

29^th percentile

Total shares

$59.5M

21^th percentile

Profitability

Return on assets

0.40%

13^th percentile

Net interest margin

3.65%

49^th percentile

Efficiency ratio

77.77%

10^th percentile

Non-interest income ratio

19.93%

64^th percentile

Capital & Risk

Net worth ratio

7.90%

3^th percentile

Delinquency rate

0.57%

59^th percentile

Net charge-off rate

1.41%

5^th percentile

Loan-to-share

69.05%

52^th percentile

Growth

Member growth YoY

-2.77%

27^th percentile

Asset growth YoY

-0.27%

19^th percentile

Loan growth YoY

-7.46%

10^th percentile

Share growth YoY

-0.92%

18^th percentile

Operations

Members / branch

1,744

14^th percentile

Assets / member

$12,168

30^th percentile

Field of membership penetration

17.13%

68^th percentile

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