Side-by-side · Q2 2026 data
Bank of Pensacola vs Santa Rosa County Federal Credit Union
Metric by metric
| Measure | Bank of Pensacola | Santa Rosa County Federal Credit Union |
|---|---|---|
| TellerScore | 73 | 78 (stronger) |
| Capital cushion | 48 | 86 (stronger) |
| Loan quality | 100 (stronger) | 61 |
| Earnings | 61 | 65 (stronger) |
| Funding & liquidity | 79 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 92 |
| Peer percentile | 53rd | 74th |
| Total assets | $147.0M | $223.0M |
| Deposits / shares | $132.6M | $195.7M |
| Capital ratio | 9.84% | 13.62% (stronger) |
| Problem loans | 0.00% (stronger) | 1.18% |
| Net charge-offs | 0.00% (stronger) | 0.40% |
| Return on assets | 1.02% | 1.12% (stronger) |
| Loans ÷ deposits | 60.6% | 44.7% (stronger) |
| Uninsured deposits | 33.7% | 8.2% (stronger) |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
Santa Rosa County Federal Credit Union has the higher TellerScore (78 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Bank of Pensacola leads on 2 and Santa Rosa County Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.