Side-by-side · Q2 2026 data
United Bank vs Santa Rosa County Federal Credit Union
Metric by metric
| Measure | United Bank | Santa Rosa County Federal Credit Union |
|---|---|---|
| TellerScore | 74 | 78 (stronger) |
| Capital cushion | 100 (stronger) | 86 |
| Loan quality | 55 | 61 (stronger) |
| Earnings | 72 (stronger) | 65 |
| Funding & liquidity | 47 | 100 (stronger) |
| Problem-loan coverage | 88 | 92 (stronger) |
| Peer percentile | 74th | 74th |
| Total assets | $1.5B | $223.0M |
| Deposits / shares | $1.2B | $195.7M |
| Capital ratio | 15.79% (stronger) | 13.62% |
| Problem loans | 1.35% | 1.18% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.40% |
| Return on assets | 1.31% (stronger) | 1.12% |
| Loans ÷ deposits | 75.9% | 44.7% (stronger) |
| Uninsured deposits | 48.4% | 8.2% (stronger) |
| Offices | 19 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.3% | 0.0% |
Santa Rosa County Federal Credit Union has the higher TellerScore (78 vs 74). On the 7 directional measures above (where higher or lower is clearly better), United Bank leads on 3 and Santa Rosa County Federal Credit Union on 4. 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
- Jay, FL
- Milton, FL
- Pace, FL