Side-by-side · Q2 2026 data
Eglin Federal Credit Union vs Santa Rosa County Federal Credit Union
Credit union
Eglin Federal Credit Union
Fort Walton Bea, Florida · $1 billion – $10 billion
Metric by metric
| Measure | Eglin Federal Credit Union | Santa Rosa County Federal Credit Union |
|---|---|---|
| TellerScore | 85 (stronger) | 78 |
| Capital cushion | 81 | 86 (stronger) |
| Loan quality | 88 (stronger) | 61 |
| Earnings | 67 (stronger) | 65 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 98 (stronger) | 92 |
| Peer percentile | 94th | 74th |
| Total assets | $3.1B | $223.0M |
| Deposits / shares | $2.7B | $195.7M |
| Capital ratio | 13.06% | 13.62% (stronger) |
| Problem loans | 0.35% (stronger) | 1.18% |
| Net charge-offs | 0.47% | 0.40% (stronger) |
| Return on assets | 1.17% (stronger) | 1.12% |
| Loans ÷ deposits | 34.9% (stronger) | 44.7% |
| Uninsured deposits | 9.9% | 8.2% (stronger) |
| Offices | 12 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
Eglin Federal Credit Union has the higher TellerScore (85 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Eglin Federal Credit Union leads on 4 and Santa Rosa County Federal Credit Union on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.