Side-by-side · Q2 2026 data
Miami Firefighters Federal Credit Union vs Santa Rosa County Federal Credit Union
Metric by metric
| Measure | Miami Firefighters Federal Credit Union | Santa Rosa County Federal Credit Union |
|---|---|---|
| TellerScore | 76 | 78 (stronger) |
| Capital cushion | 75 | 86 (stronger) |
| Loan quality | 87 (stronger) | 61 |
| Earnings | 56 | 65 (stronger) |
| Funding & liquidity | 72 | 100 (stronger) |
| Problem-loan coverage | 95 (stronger) | 92 |
| Peer percentile | 68th | 74th |
| Total assets | $189.2M | $223.0M |
| Deposits / shares | $165.1M | $195.7M |
| Capital ratio | 12.52% | 13.62% (stronger) |
| Problem loans | 0.39% (stronger) | 1.18% |
| Net charge-offs | 0.21% (stronger) | 0.40% |
| Return on assets | 0.89% | 1.12% (stronger) |
| Loans ÷ deposits | 83.8% | 44.7% (stronger) |
| Uninsured deposits | 18.4% | 8.2% (stronger) |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 26.8% | 0.0% |
Santa Rosa County Federal Credit Union has the higher TellerScore (78 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Miami Firefighters 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.