Santa Rosa County

MILTON, FL · 1 · Charter #11780 · www.srcfcu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$214.9M
93th percentile
Members
13,705
86th percentile
Total loans
$85.6M
68th percentile
Total shares
$188.6M
95th percentile

Profitability

Return on assets
1.44%
75th percentile
Net interest margin
3.49%
41th percentile
Efficiency ratio
58.18%
64th percentile
Non-interest income ratio
22.46%
75th percentile

Capital & Risk

Net worth ratio
13.55%
65th percentile
Delinquency rate
1.40%
20th percentile
Net charge-off rate
0.60%
25th percentile
Loan-to-share
45.37%
14th percentile

Growth

Member growth YoY
0.44%
63th percentile
Asset growth YoY
6.23%
71th percentile
Loan growth YoY
-2.36%
30th percentile
Share growth YoY
4.25%
58th percentile

Operations

Members / branch
2,741
41th percentile
Assets / member
$15,678
60th percentile
Field of membership penetration
2.18%
30th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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