Side-by-side · Q2 2026 data
San Antonio Citizens Federal Credit Union vs Trax Federal 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 | Trax Federal Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 64 |
| Capital cushion | 60 | 80 (stronger) |
| Loan quality | 91 (stronger) | 40 |
| Earnings | 65 (stronger) | 31 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 97 (stronger) | 88 |
| Peer percentile | 74th | 31st |
| Total assets | $399.9M | $485.1M |
| Deposits / shares | $356.8M | $416.4M |
| Capital ratio | 11.02% | 12.98% (stronger) |
| Problem loans | 0.28% (stronger) | 1.80% |
| Net charge-offs | 0.26% (stronger) | 1.79% |
| Return on assets | 1.13% (stronger) | 0.28% |
| Loans ÷ deposits | 50.1% (stronger) | 51.9% |
| Uninsured deposits | 8.1% (stronger) | 11.5% |
| Offices | 5 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 30.0% |
San Antonio Citizens Federal Credit Union has the higher TellerScore (78 vs 64). On the 7 directional measures above (where higher or lower is clearly better), San Antonio Citizens Federal Credit Union leads on 6 and Trax Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.