Santa Rosa County
Milton, FL · Charter 11780 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
$223.0MAssets
$87.5MLoans
$195.7MShares
$30.4MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 71% of credit unions under $1B in assets (rank 482 of 1683).
- Widest gap: nonperforming loans / loans trails 72% of credit unions under $1B in assets (rank 1218 of 1682).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.12%
Rank 482 of 1,683
Net Interest Margin
3.49%
Rank 1,130 of 1,683
Efficiency Ratio
72.22%
Rank 546 of 1,682
Equity / Assets
13.62%
Rank 730 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.12% | 0.35% | 0.74% | 1.18% | Beats 71% | 482 / 1,683 | |
| Return on Equity | 8.22% | 2.67% | 5.89% | 8.74% | Beats 71% | 484 / 1,681 | |
| Net Interest Margin | 3.49% | 3.31% | 3.82% | 4.32% | Beats 33% | 1,130 / 1,683 | |
| Efficiency Ratio | 72.22% | 68.91% | 78.20% | 86.93% | Beats 68% | 546 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.18% | 0.26% | 0.65% | 1.29% | Beats 28% | 1,218 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.62% | 10.44% | 12.89% | 16.53% | Beats 57% | 730 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.62% | 10.44% | 12.89% | 16.53% | Beats 57% | 730 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 44.73% | 52.61% | 69.38% | 83.50% | 16th pctl | 1,410 / 1,683 | |
| Loans / Assets | 39.25% | 44.71% | 59.18% | 70.72% | 18th pctl | 1,387 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |