TellerScore

Headquartered in San Antonio, Florida, San Antonio Citizens Federal Credit Union is a federal credit union with $399.9M in total assets and $356.8M in member shares and deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1955.

San Antonio Citizens Federal Credit Union has a TellerScore of 78 out of 100 (strong) based on Q2 2026 data — higher than 74% of its 1,341 credit unions with $100 million – $1 billion. Among 107 credit unions headquartered in Florida, it ranks 29th. Funding & liquidity contributes the most (100/100, 50% loans-to-deposits, 8% uninsured); capital cushion contributes the least (60/100, 11.02%).

TellerScore · Q2 2026

Scorecard

Capital cushion60/100
Net worth ratio: 11.02%
Loan quality91/100
Loans 60+ days delinquent ÷ total loans: 0.28%
Earnings65/100
Return on assets (annualized): 1.13%
Funding & liquidity100/100
Loans ÷ shares: 50.1% · 8.1% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.31%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 2 points (80 → 78), mostly because the earnings component weakened by 10 points.

TellerScore
727680Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202472
Q3 202475
Q4 202474
Q1 202579
Q2 202580
Q3 202580
Q4 202577
Q1 202678
Q2 202678
Net worth ratio
7.00%9.01%11.02%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.71%
Q3 20249.77%
Q4 20249.83%
Q1 20259.89%
Q2 202510.35%
Q3 202510.50%
Q4 202510.65%
Q1 202610.69%
Q2 202611.02%
Delinquent loans (60+ days)
0.08%0.21%0.35%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.35%
Q3 20240.13%
Q4 20240.22%
Q1 20250.08%
Q2 20250.15%
Q3 20250.09%
Q4 20250.26%
Q1 20260.24%
Q2 20260.28%
Return on assets
0.88%1.16%1.44%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.88%
Q3 20241.01%
Q4 20240.96%
Q1 20251.44%
Q2 20251.38%
Q3 20251.32%
Q4 20251.09%
Q1 20261.11%
Q2 20261.13%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$399.9M11.02%0.28%1.13%50.1%
Q1 202678$401.5M10.69%0.24%1.11%49.2%
Q4 202577$392.7M10.65%0.26%1.09%46.7%
Q3 202580$394.5M10.50%0.09%1.32%44.5%
Q2 202580$388.5M10.35%0.15%1.38%44.9%
Q1 202579$394.1M9.89%0.08%1.44%44.2%
Q4 202474$382.0M9.83%0.22%0.96%45.8%
Q3 202475$375.9M9.77%0.13%1.01%47.0%
Q2 202472$365.3M9.71%0.35%0.88%47.5%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.02%
44th
Problem loans0.28%
84th
Net charge-offs0.26%
63rd
Return on assets1.13%
73rd
Loans to deposits50.1%
90th
Uninsured deposits8.1%
28th
Loan-loss reserves0.00%
50th
Texas ratio1.3%
85th

Similar-size credit unions in Florida

InstitutionScoreAssetsCapitalProblem loansCompare
Orlando Credit UnionCredit union Orlando, FL59 out of 100, Moderate$379.2M9.0%0.53%vs
Panhandle Credit UnionCredit union Panama City, FL87 out of 100, Very strong$367.9M13.5%0.27%vs
Harvesters Federal Credit UnionCredit union Cantonment, FL60 out of 100, Moderate$316.8M9.4%0.83%vs
Members First Credit Union of FloriCredit union Pensacola, FL93 out of 100, Very strong$315.8M15.4%0.43%vs
Trax Federal Credit UnionCredit union Tampa, FL64 out of 100, Moderate$485.1M13.0%1.80%vs
Guardians Credit UnionCredit union West Palm Beach, FL80 out of 100, Strong$309.5M14.7%0.42%vs

Deposit insurance

Is my money safe at San Antonio Citizens Federal Credit Union?

Yes. San Antonio Citizens Federal Credit Union is a federally insured credit union (NCUA charter #10699). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 8.1% of shares and deposits ($28.9M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 11.02%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

San Antonio Citizens Federal Credit Union lists 5 offices in 4 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
San Antonio Citizens Federal Credit Union
Type
Federal credit union
NCUA charter #
10699
RSSD ID
770983
Primary regulator
NCUA
Established
1955
Headquarters
12542 Curley St, San Antonio, FL 33576
Employees
60

Quick answers

San Antonio Citizens Federal Credit Union: common questions

Is San Antonio Citizens Federal Credit Union NCUA insured?

Yes. San Antonio Citizens Federal Credit Union is a federally insured credit union (NCUA charter #10699). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is San Antonio Citizens Federal Credit Union's TellerScore?

78 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does San Antonio Citizens Federal Credit Union have?

5 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near San Antonio

InstitutionScoreAssetsCapitalProblem loansCompare
1st Street Credit UnionCredit union Sarasota, FL89 out of 100, Very strong$34.5M14.7%0.10%vs
Crews Bank & TrustBank Wauchula, FL85 out of 100, Very strong$2.3B10.7%0.06%vs
Republic Bank & Trust CompanyBank Louisville, KY84 out of 100, Strong$7.1B14.8%0.56%vs
Florida Customs Federal Credit UnionCredit union Tampa, FL83 out of 100, Strong$6.8M26.8%0.40%vs
Centennial BankBank Conway, AR79 out of 100, Strong$24.6B12.6%0.55%vs
Florida West Coast Credit UnionCredit union Brandon, FL79 out of 100, Strong$144.2M12.0%0.25%vs