Side-by-side · Q2 2026 data
Santa Rosa County Federal Credit Union vs Members First Credit Union of Flori
Credit union
Members First Credit Union of Flori
Pensacola, Florida · $100 million – $1 billion
Metric by metric
| Measure | Santa Rosa County Federal Credit Union | Members First Credit Union of Flori |
|---|---|---|
| TellerScore | 78 | 93 (stronger) |
| Capital cushion | 86 | 100 (stronger) |
| Loan quality | 61 | 86 (stronger) |
| Earnings | 65 | 86 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 92 | 97 (stronger) |
| Peer percentile | 74th | 97th |
| Total assets | $223.0M | $315.8M |
| Deposits / shares | $195.7M | $265.5M |
| Capital ratio | 13.62% | 15.39% (stronger) |
| Problem loans | 1.18% | 0.43% (stronger) |
| Net charge-offs | 0.40% (stronger) | 0.48% |
| Return on assets | 1.12% | 1.66% (stronger) |
| Loans ÷ deposits | 44.7% (stronger) | 51.8% |
| Uninsured deposits | 8.2% | 8.0% (stronger) |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Members First Credit Union of Flori has the higher TellerScore (93 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Santa Rosa County Federal Credit Union leads on 2 and Members First Credit Union of Flori on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.