Side-by-side · Q2 2026 data
Keys Federal Credit Union vs Santa Rosa County Federal Credit Union
Metric by metric
| Measure | Keys Federal Credit Union | Santa Rosa County Federal Credit Union |
|---|---|---|
| TellerScore | 62 | 78 (stronger) |
| Capital cushion | 60 | 86 (stronger) |
| Loan quality | 71 (stronger) | 61 |
| Earnings | 31 | 65 (stronger) |
| Funding & liquidity | 80 | 100 (stronger) |
| Problem-loan coverage | 81 | 92 (stronger) |
| Peer percentile | 26th | 74th |
| Total assets | $253.2M | $223.0M |
| Deposits / shares | $218.6M | $195.7M |
| Capital ratio | 10.98% | 13.62% (stronger) |
| Problem loans | 0.88% (stronger) | 1.18% |
| Net charge-offs | 1.66% | 0.40% (stronger) |
| Return on assets | 0.28% | 1.12% (stronger) |
| Loans ÷ deposits | 80.6% | 44.7% (stronger) |
| Uninsured deposits | 7.4% (stronger) | 8.2% |
| 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 62). On the 7 directional measures above (where higher or lower is clearly better), Keys 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.