Side-by-side · Q2 2026 data
Tampa Bay Federal Credit Union vs San Antonio Citizens Federal Credit Union
Credit union
San Antonio Citizens Federal Credit Union
San Antonio, Florida · $100 million – $1 billion
Metric by metric
| Measure | Tampa Bay Federal Credit Union | San Antonio Citizens Federal Credit Union |
|---|---|---|
| TellerScore | 52 | 78 (stronger) |
| Capital cushion | 55 | 60 (stronger) |
| Loan quality | 41 | 91 (stronger) |
| Earnings | 39 | 65 (stronger) |
| Funding & liquidity | 67 | 100 (stronger) |
| Problem-loan coverage | 72 | 97 (stronger) |
| Peer percentile | 8th | 74th |
| Total assets | $493.9M | $399.9M |
| Deposits / shares | $418.0M | $356.8M |
| Capital ratio | 10.49% | 11.02% (stronger) |
| Problem loans | 1.78% | 0.28% (stronger) |
| Net charge-offs | 0.98% | 0.26% (stronger) |
| Return on assets | 0.47% | 1.13% (stronger) |
| Loans ÷ deposits | 93.3% | 50.1% (stronger) |
| Uninsured deposits | 4.3% (stronger) | 8.1% |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.3% | — |
San Antonio Citizens Federal Credit Union has the higher TellerScore (78 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Tampa Bay Federal Credit Union leads on 1 and San Antonio Citizens Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.