Side-by-side · Q2 2026 data
Santa Rosa County Federal Credit Union vs Penair Credit Union
Metric by metric
| Measure | Santa Rosa County Federal Credit Union | Penair Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 69 |
| Capital cushion | 86 (stronger) | 65 |
| Loan quality | 61 | 80 (stronger) |
| Earnings | 65 (stronger) | 37 |
| Funding & liquidity | 100 (stronger) | 89 |
| Problem-loan coverage | 92 (stronger) | 91 |
| Peer percentile | 74th | 54th |
| Total assets | $223.0M | $2.8B |
| Deposits / shares | $195.7M | $2.4B |
| Capital ratio | 13.62% (stronger) | 11.48% |
| Problem loans | 1.18% | 0.60% (stronger) |
| Net charge-offs | 0.40% (stronger) | 0.79% |
| Return on assets | 1.12% (stronger) | 0.43% |
| Loans ÷ deposits | 44.7% (stronger) | 71.7% |
| Uninsured deposits | 8.2% (stronger) | 10.6% |
| Offices | 4 | 17 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Santa Rosa County Federal Credit Union has the higher TellerScore (78 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Santa Rosa County Federal Credit Union leads on 6 and Penair Credit Union on 1. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Gulf Breeze, FL
- Milton, FL
- Pace, FL