San Antonio Citizens

San Antonio, FL · 1 · Charter #10699 · www.sacfcu.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$392.7M
39th percentile
Members
18,905
21th percentile
Total loans
$163.4M
9th percentile
Total shares
$349.9M
43th percentile

Profitability

Return on assets
1.21%
66th percentile
Net interest margin
3.38%
44th percentile
Efficiency ratio
56.26%
63th percentile
Non-interest income ratio
16.99%
36th percentile

Capital & Risk

Net worth ratio
10.65%
46th percentile
Delinquency rate
0.26%
89th percentile
Net charge-off rate
0.26%
69th percentile
Loan-to-share
46.69%
3th percentile

Growth

Member growth YoY
1.11%
57th percentile
Asset growth YoY
2.82%
32th percentile
Loan growth YoY
2.25%
40th percentile
Share growth YoY
0.35%
14th percentile

Operations

Members / branch
4,726
52th percentile
Assets / member
$20,773
79th percentile
Field of membership penetration
10.98%
74th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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