Side-by-side · Q2 2026 data
Bank of Central Florida vs San Antonio Citizens Federal Credit Union
Credit union
San Antonio Citizens Federal Credit Union
San Antonio, Florida · $100 million – $1 billion
Metric by metric
| Measure | Bank of Central Florida | San Antonio Citizens Federal Credit Union |
|---|---|---|
| TellerScore | 69 | 78 (stronger) |
| Capital cushion | 37 | 60 (stronger) |
| Loan quality | 93 (stronger) | 91 |
| Earnings | 73 (stronger) | 65 |
| Funding & liquidity | 70 | 100 (stronger) |
| Problem-loan coverage | 97 | 97 |
| Peer percentile | 53rd | 74th |
| Total assets | $1.2B | $399.9M |
| Deposits / shares | $1.1B | $356.8M |
| Capital ratio | 8.75% | 11.02% (stronger) |
| Problem loans | 0.21% (stronger) | 0.28% |
| Net charge-offs | 0.00% (stronger) | 0.26% |
| Return on assets | 1.32% (stronger) | 1.13% |
| Loans ÷ deposits | 73.3% | 50.1% (stronger) |
| Uninsured deposits | 30.4% | 8.1% (stronger) |
| Offices | 6 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.3% | — |
San Antonio Citizens Federal Credit Union has the higher TellerScore (78 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Bank of Central Florida leads on 3 and San Antonio Citizens Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.