San Antonio, Florida · Peer group 5
San Antonio Citizens Credit Union
San Antonio Citizens Credit Union holds $401.5M in assets across 18,427 members as of Q1 2026 — about $22K of assets per member, on a charter dating to 1955. Charter number 10699, in the $100M-$500M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $401.5M |
|---|---|
| Total loans | $176.6M |
| Total shares (deposits) | $358.9M |
| Net worth | $42.9M |
| Members | 18,427 |
| Assets per member | $22K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 1.9% | |
|---|---|---|
| Loans | 11.8% | higher than 90% of its peer group |
| Deposits | 0.5% | around the 26th percentile of its peer group |
| Members | -2.2% | around the 28th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 49.2% | around the 11th percentile of its peer group |
|---|---|---|
| Net worth ratio | 10.7% | around the 38th percentile of its peer group |
| Return on assets | 1.11% | around the 76th percentile of its peer group |
| Delinquency ratio | 0.24% | around the 16th percentile of its peer group |
| Cash / assets | 10.7% | around the 54th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 40th percentile of its peer group |
What this page does not show
Everything above is San Antonio Citizens Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Florida — the comparison set a peer ratio is measured against.
- Orlando Credit Union
Orlando, FL
$364.2M · 27,433 members
- Panhandle Credit Union
Panama City, FL
$363.7M · 16,238 members
- Members First Credit Union of Flori
Pensacola, FL
$314.4M · 19,401 members
- Trax Credit Union
Tampa, FL
$490.1M · 45,113 members
- Harvesters Credit Union
Cantonment, FL
$312.8M · 34,149 members
- Tampa Bay Credit Union
Tampa, FL
$493.0M · 37,133 members
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