Side-by-side · Q2 2026 data
San Antonio Citizens Federal Credit Union vs Florida West Coast Credit Union
Credit union
San Antonio Citizens Federal Credit Union
San Antonio, Florida · $100 million – $1 billion
Metric by metric
| Measure | San Antonio Citizens Federal Credit Union | Florida West Coast Credit Union |
|---|---|---|
| TellerScore | 78 | 79 (stronger) |
| Capital cushion | 60 | 70 (stronger) |
| Loan quality | 91 | 92 (stronger) |
| Earnings | 65 (stronger) | 52 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 97 | 98 (stronger) |
| Peer percentile | 74th | 76th |
| Total assets | $399.9M | $144.2M |
| Deposits / shares | $356.8M | $127.4M |
| Capital ratio | 11.02% | 12.03% (stronger) |
| Problem loans | 0.28% | 0.25% (stronger) |
| Net charge-offs | 0.26% (stronger) | 0.41% |
| Return on assets | 1.13% (stronger) | 0.79% |
| Loans ÷ deposits | 50.1% (stronger) | 58.0% |
| Uninsured deposits | 8.1% | 2.2% (stronger) |
| Offices | 5 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Florida West Coast Credit Union has the higher TellerScore (79 vs 78). On the 7 directional measures above (where higher or lower is clearly better), San Antonio Citizens Federal Credit Union leads on 3 and Florida West Coast Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.