Side-by-side · Q2 2026 data
Santa Rosa County Federal Credit Union vs University Credit Union
Metric by metric
| Measure | Santa Rosa County Federal Credit Union | University Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 71 |
| Capital cushion | 86 (stronger) | 57 |
| Loan quality | 61 | 92 (stronger) |
| Earnings | 65 (stronger) | 29 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 92 | 98 (stronger) |
| Peer percentile | 74th | 54th |
| Total assets | $223.0M | $228.7M |
| Deposits / shares | $195.7M | $202.4M |
| Capital ratio | 13.62% (stronger) | 10.75% |
| Problem loans | 1.18% | 0.24% (stronger) |
| Net charge-offs | 0.40% | 0.39% (stronger) |
| Return on assets | 1.12% (stronger) | 0.22% |
| Loans ÷ deposits | 44.7% (stronger) | 50.3% |
| Uninsured deposits | 8.2% | 5.4% (stronger) |
| Offices | 4 | 4 |
| 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 71). On the 7 directional measures above (where higher or lower is clearly better), Santa Rosa County Federal Credit Union leads on 4 and University Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.