Federal credit union · San Antonio, Florida · NCUA charter #10699
San Antonio Citizens
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $392.7M
- Total assets
- 18,905
- Members
- 10.7%
- Net-worth ratio
San Antonio Citizens scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $392.7M; members 18,905; net-worth ratio 10.69%; health rank #971 of 4,374; healthier than 77th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#971 of 4,374 health · 2025Q4San Antonio Citizens · health 91/100 · $392.7M · 2025Q4
- MEM 91/100
- RANK 10.7%
- PHOTO 0.26%
- BOOK 0.94%
- CHARTER $392.7M
- NCUSIF 18,905
- CAMELS #971/4,374
- HEALTH ALLTRU
- NW 10699
Call Report peers
San Antonio Citizens in the assets neighbourhood
San Antonio Citizens's $392.7M assets sit next to ALLTRU ($392.5M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
San Antonio Citizens vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
91 Top 23% higher than 77% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
San Antonio Citizens - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #10699, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
San Antonio Citizens: Call Report deltas vs peers
- Delinquency Rate leads the peer set - 0.26% here, 0.89% peer average (-0.63 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -25.51 pp (46.69% vs 72.20%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
San Antonio Citizens: in-state Call Report ranks
- Health composite ranks #38 of 109 among scored Florida credit unions.
- Florida assets place: #40 of 109.
- Florida membership ordinal: #46 of 109.
In-state ordinals use the live credit_unions table for FL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
San Antonio Citizens: 2025Q4 → 2026Q1
San Antonio Citizens: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.3% from $392.7M (2025Q4) to $401.5M (2026Q1).
- Net-worth ratio shifted +0.04 pp (10.65% → 10.69%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
10.69% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 91/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 10.3 pts
- Loan-to-Share Ratio 10.7 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.69% | -1.42 pp |
| Delinquency Rate | 0.26% | -0.63 pp |
| Return on Assets | 0.94% | +0.31 pp |
| Member Growth | 1.11% | - |
| Loan-to-Share Ratio | 46.69% | -25.51 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $401.5M | - |
| 2025Q4 | $392.7M | 18,905 |
| 2024Q4 | $382.0M | 18,698 |
| 2023Q4 | $349.3M | 18,528 |
Credit Union Details
- Charter Number
- 10699
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Florida
- City
- San Antonio
- Data Quarter
- 2025Q4
Branch Locations (5)
Per its most recent NCUA branch filing, San Antonio Citizens runs 5 offices in 4 different cities.
| Office | City |
|---|---|
| San Antonio (Main Office) | San Antonio, FL |
| Dade City | Dade City, FL |
| Operation Center | San Antonio, FL |
| Wesley Chapel | Wesley Chapel, FL |
| Zephyrhills | Zephyrhills, FL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Florida
A look at other Florida credit unions, ranked by how closely their peer group and asset size match this one.
San Antonio Citizens nationwide neighbourhoods
Two NCUA Call Report peer sets for San Antonio Citizens, both outside Florida so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($392.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
Using this data
- San Antonio Citizens ranks #971 of 4,374 nationally on financial health and #38 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- PANHANDLE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with PANHANDLE
- Rates and health both vary by institution, not just by state -- see how Florida credit unions compare overall before assuming this one is typical. Florida state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is San Antonio Citizens financially healthy?
San Antonio Citizens has a financial health score of 91/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #971 of 4,374; by total assets it ranks #880 of 4,374 nationally (same basis as /rankings/largest); and #40 of 109 within Florida. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 10.69% and delinquency rate of 0.26%.
How does San Antonio Citizens compare to other credit unions?
91/100 is San Antonio Citizens's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join San Antonio Citizens?
San Antonio Citizens operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact San Antonio Citizens directly for the exact boundaries and application steps.
Is my money safe at San Antonio Citizens?
Federal credit unions like San Antonio Citizens are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. San Antonio Citizens's net worth ratio of 10.69% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does San Antonio Citizens offer compared to banks?
Credit unions like San Antonio Citizens are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact San Antonio Citizens directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.