Side-by-side · Q2 2026 data
San Antonio Citizens Federal Credit Union vs Panhandle 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 | Panhandle Credit Union |
|---|---|---|
| TellerScore | 78 | 87 (stronger) |
| Capital cushion | 60 | 85 (stronger) |
| Loan quality | 91 | 91 |
| Earnings | 65 | 72 (stronger) |
| Funding & liquidity | 100 (stronger) | 94 |
| Problem-loan coverage | 97 | 98 (stronger) |
| Peer percentile | 74th | 91st |
| Total assets | $399.9M | $367.9M |
| Deposits / shares | $356.8M | $313.8M |
| Capital ratio | 11.02% | 13.46% (stronger) |
| Problem loans | 0.28% | 0.27% (stronger) |
| Net charge-offs | 0.26% | 0.24% (stronger) |
| Return on assets | 1.13% | 1.29% (stronger) |
| Loans ÷ deposits | 50.1% (stronger) | 66.2% |
| Uninsured deposits | 8.1% (stronger) | 9.5% |
| Offices | 5 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 12.1% |
Panhandle Credit Union has the higher TellerScore (87 vs 78). On the 7 directional measures above (where higher or lower is clearly better), San Antonio Citizens Federal Credit Union leads on 2 and Panhandle Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.