Federal credit union · MILTON, Florida · NCUA charter #11780
Santa Rosa County
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $214.9M
- Total assets
- 13,705
- Members
- 13.4%
- Net-worth ratio
Santa Rosa County scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $214.9M; members 13,705; net-worth ratio 13.44%; health rank #2,417 of 4,374; healthier than 43rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,417 of 4,374 health · 2025Q4Santa Rosa County · health 82/100 · $214.9M · 2025Q4
Call Report peers
Santa Rosa County in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Santa Rosa County vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Santa Rosa County sits in 80-84 with 767 others.
82 43rd percentile higher than 43% 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
Santa Rosa County: Call Report deltas vs peers
- Largest favorable gap: Net Worth Ratio at 13.44% vs peer 12.11% (+1.33 pp).
- Loan-to-Share Ratio trails the peer set - 45.37% here, 72.20% peer average (-26.83 pp).
Florida standing for Santa Rosa County
- Health composite ranks #75 of 109 among scored Florida credit unions.
- Florida assets place: #53 of 109.
- Member book place in Florida: #54 of 109.
- One place up in Florida, RADIFI (#74) scores 83/100, 1 point higher; one place down, Walton County Teachers (#76) ties at 82/100.
Santa Rosa County: 2025Q4 → 2026Q1
Santa Rosa County: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.9% from $214.9M (2025Q4) to $221.2M (2026Q1).
- Net-worth ratio shifted -0.11 pp (13.55% → 13.44%).
13.44% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 82/100 score is built
Santa Rosa County gives up 18 points in total. Delinquency Rate costs the most, 8 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 17.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.5 pts
- Loan-to-Share Ratio 10.5 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.44% | +1.33 pp |
| Delinquency Rate | 1.40% | +0.50 pp |
| Return on Assets | 1.02% | +0.40 pp |
| Member Growth | 0.44% | - |
| Loan-to-Share Ratio | 45.37% | -26.83 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $221.2M | - |
| 2025Q4 | $214.9M | 13,705 |
| 2024Q4 | $202.3M | 13,645 |
| 2023Q4 | $200.3M | 13,727 |
Credit Union Details
- Charter Number
- 11780
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Florida
- City
- MILTON
- Data Quarter
- 2025Q4
Branch Locations (5)
The NCUA branch filing lists 5 physical offices for Santa Rosa County, spread across 4 cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Milton, FL |
| Midway Branch | Gulf Breeze, FL |
| Jay Branch | Jay, FL |
| Milton Branch | Milton, FL |
| Pace Branch | Pace, FL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Florida
Other federally-insured credit unions in Florida, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Using this data
- Santa Rosa County ranks #2,417 of 4,374 nationally on financial health and #75 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Community South is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Community South
Frequently Asked Questions
Is Santa Rosa County financially healthy?
Santa Rosa County has a financial health score of 82/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,417 of 4,374 nationally on health and #75 of 109 in Florida. Its net worth ratio is 13.44% and its delinquency rate 1.40%.
How does Santa Rosa County compare to other credit unions?
Santa Rosa County scores 82/100, higher than 43% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (13.44% vs 12.11%). Its widest shortfall is loan-to-share ratio (45.37% vs 72.20%).
How can I join Santa Rosa County?
Santa Rosa County 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 Santa Rosa County directly for the exact boundaries and application steps.
Is my money safe at Santa Rosa County?
Santa Rosa County is a federal credit union; its shares are federally 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. Santa Rosa County's net worth ratio of 13.44% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.