Side-by-side · Q2 2026 data
Blue Coast Federal Credit Union vs Santa Rosa County Federal Credit Union
Metric by metric
| Measure | Blue Coast Federal Credit Union | Santa Rosa County Federal Credit Union |
|---|---|---|
| TellerScore | 66 | 78 (stronger) |
| Capital cushion | 47 | 86 (stronger) |
| Loan quality | 85 (stronger) | 61 |
| Earnings | 48 | 65 (stronger) |
| Funding & liquidity | 77 | 100 (stronger) |
| Problem-loan coverage | 90 | 92 (stronger) |
| Peer percentile | 37th | 74th |
| Total assets | $188.5M | $223.0M |
| Deposits / shares | $167.8M | $195.7M |
| Capital ratio | 9.68% | 13.62% (stronger) |
| Problem loans | 0.46% (stronger) | 1.18% |
| Net charge-offs | 0.53% | 0.40% (stronger) |
| Return on assets | 0.71% | 1.12% (stronger) |
| Loans ÷ deposits | 82.8% | 44.7% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 8.2% |
| Offices | 1 | 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 66). On the 7 directional measures above (where higher or lower is clearly better), Blue Coast Federal Credit Union 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.