TellerScore

Headquartered in Boca Raton, Florida, South Atlantic Federal Credit Union is a federal credit union with $17.8M in total assets and $15.9M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1973.

South Atlantic Federal Credit Union has a TellerScore of 56 out of 100 (moderate) based on Q2 2026 data — higher than only 16% of its 2,479 credit unions with under $100 million in assets. Among 107 credit unions headquartered in Florida, it ranks 97th. Funding & liquidity contributes the most (100/100, 57% loans-to-deposits, 1% uninsured); earnings contributes the least (29/100, 0.23%).

TellerScore · Q2 2026

Scorecard

Capital cushion41/100
Net worth ratio: 9.11%
Loan quality58/100
Loans 60+ days delinquent ÷ total loans: 1.27%
Earnings29/100
Return on assets (annualized): 0.23%
Funding & liquidity100/100
Loans ÷ shares: 56.6% · 0.7% uninsured
Problem-loan coverage85/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 7.53%

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 rose 13 points (43 → 56), mostly because the loan quality component improved by 48 points.

TellerScore
435260Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202458
Q3 202460
Q4 202453
Q1 202544
Q2 202543
Q3 202556
Q4 202558
Q1 202660
Q2 202656
Net worth ratio
7.00%8.21%9.43%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.11%
Q3 20249.38%
Q4 20249.43%
Q1 20258.56%
Q2 20259.20%
Q3 20259.13%
Q4 20259.16%
Q1 20269.06%
Q2 20269.11%
Delinquent loans (60+ days)
0.83%1.76%2.69%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.18%
Q3 20241.09%
Q4 20241.74%
Q1 20252.30%
Q2 20252.69%
Q3 20251.31%
Q4 20251.13%
Q1 20260.83%
Q2 20261.27%
Return on assets
0.15%0.24%0.32%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.29%
Q3 20240.32%
Q4 20240.30%
Q1 20250.15%
Q2 20250.23%
Q3 20250.25%
Q4 20250.28%
Q1 20260.18%
Q2 20260.23%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202656$17.8M9.11%1.27%0.23%56.6%
Q1 202660$17.7M9.06%0.83%0.18%54.9%
Q4 202558$17.5M9.16%1.13%0.28%56.2%
Q3 202556$17.4M9.13%1.31%0.25%57.7%
Q2 202543$17.4M9.20%2.69%0.23%57.2%
Q1 202544$18.6M8.56%2.30%0.15%52.1%
Q4 202453$16.8M9.43%1.74%0.30%56.4%
Q3 202460$16.7M9.38%1.09%0.32%56.1%
Q2 202458$17.4M9.11%1.18%0.29%53.7%

2,479 peers · Under $100 million in assets

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 ratio9.11%
10th
Problem loans1.27%
32nd
Net charge-offs0.17%
51st
Return on assets0.23%
29th
Loans to deposits56.6%
53rd
Uninsured deposits0.7%
56th
Loan-loss reserves0.00%
37th
Texas ratio7.5%
19th

Similar-size credit unions in Florida

InstitutionScoreAssetsCapitalProblem loansCompare
Jefferson County Teachers Credit UnionCredit union Monticello, FL75 out of 100, Strong$16.4M13.9%0.85%vs
Southernmost Federal Credit UnionCredit union Key West, FL80 out of 100, Strong$16.1M18.8%0.00%vs
Hialeah Municipal Employees Federal Credit UnionCredit union Hialeah, FL81 out of 100, Strong$14.2M22.9%0.04%vs
Metro North Federal Credit UnionCredit union Jacksonville, FL87 out of 100, Very strong$21.7M16.7%0.07%vs
Farmers Federal Credit UnionCredit union Jacksonville, FL73 out of 100, Strong$22.4M10.6%0.00%vs
Financial Educators Federal Credit UnionCredit union Daytona Beach, FL90 out of 100, Very strong$23.5M15.7%0.00%vs

Deposit insurance

Is my money safe at South Atlantic Federal Credit Union?

Yes. South Atlantic Federal Credit Union is a federally insured credit union (NCUA charter #21202). 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 0.7% of shares and deposits ($118K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 9.11%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

South Atlantic Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
South Atlantic Federal Credit Union
Type
Federal credit union
NCUA charter #
21202
RSSD ID
1015083
Primary regulator
NCUA
Established
1973
Headquarters
1 W Camino Real Ste 110, Boca Raton, FL 33432
Employees
4

Quick answers

South Atlantic Federal Credit Union: common questions

Is South Atlantic Federal Credit Union NCUA insured?

Yes. South Atlantic Federal Credit Union is a federally insured credit union (NCUA charter #21202). 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 South Atlantic Federal Credit Union's TellerScore?

56 out of 100 (Moderate), 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 South Atlantic Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Boca Raton

InstitutionScoreAssetsCapitalProblem loansCompare
Jm Associates Federal Credit UnionCredit union Jacksonville, FL87 out of 100, Very strong$151.2M15.5%0.71%vs
Desjardins Bank, National AssociationBank Hallandale, FL84 out of 100, Strong$362.1M19.3%0.31%vs
Beal Bank USABank Las Vegas, NV80 out of 100, Strong$11.0B21.9%0.78%vs
Pompano Beach City Emp. Credit UnionCredit union Pompano Beach, FL80 out of 100, Strong$31.0M19.3%0.06%vs
Guardians Credit UnionCredit union West Palm Beach, FL80 out of 100, Strong$309.5M14.7%0.42%vs
Centennial BankBank Conway, AR79 out of 100, Strong$24.6B12.6%0.55%vs