San Antonio Citizens
San Antonio, FL · Charter 10699 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
$399.9MAssets
$178.9MLoans
$356.8MShares
$44.1MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 84% of credit unions under $1B in assets (rank 266 of 1681).
- Widest gap: equity / assets trails 68% of credit unions under $1B in assets (rank 1148 of 1683).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
1.13%
Rank 475 of 1,683
Net Interest Margin
3.61%
Rank 1,026 of 1,683
Efficiency Ratio
72.33%
Rank 553 of 1,682
Equity / Assets
11.02%
Rank 1,148 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.13% | 0.35% | 0.74% | 1.18% | Beats 72% | 475 / 1,683 | |
| Return on Equity | 10.24% | 2.67% | 5.89% | 8.74% | Beats 84% | 266 / 1,681 | |
| Net Interest Margin | 3.61% | 3.31% | 3.82% | 4.32% | Beats 39% | 1,026 / 1,683 | |
| Efficiency Ratio | 72.33% | 68.91% | 78.20% | 86.93% | Beats 67% | 553 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.28% | 0.26% | 0.65% | 1.29% | Beats 74% | 439 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.02% | 10.44% | 12.89% | 16.53% | Beats 32% | 1,148 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.02% | 10.44% | 12.89% | 16.53% | Beats 32% | 1,148 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 50.13% | 52.61% | 69.38% | 83.50% | 22nd pctl | 1,321 / 1,683 | |
| Loans / Assets | 44.73% | 44.71% | 59.18% | 70.72% | 25th pctl | 1,262 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |