A
Santa Rosa County Federal Credit Union
MiltonFL
Rating Date
December 2025
Net Capital
Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
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Net
Income
Weiss Ratings Santa Rosa County Federal Credit Union
Milton, FL
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Rating A
Asset Quality Index 9.00
Capitalization Index 10.00
Liquidity Index 5.50
Profitability Index 9.00
Stability Index 7.50
Company Info Santa Rosa County Federal Credit Union
Milton, FL
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NCUA Charter Number 2320
Phone Number (850) 623-3877
Website www.srcfcu.org
Asset Quality Santa Rosa County Federal Credit Union
Milton, FL
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1-Year Asset Growth 3.71%
5-Year Asset Growth 7.61%
5-Year Charge-Offs to Average Loans 0.27%
Charge-Offs to Average Loans 0.71%
Non-Performing Assets to Assets 0.42%
Non-Performing Loans to Capital 3.51%
Non-Performing Loans to Loans 0.90%
Balance Sheet Santa Rosa County Federal Credit Union
Milton, FL
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Total Assets 211.46M
Total Deposits 186.02M
Capital and Reserves Santa Rosa County Federal Credit Union
Milton, FL
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Capital 24.48M
Leverage Ratio 13.49
Loan Loss Reserves to Loans 1.06%
Liquidity Santa Rosa County Federal Credit Union
Milton, FL
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Hot Money Ratio 1.34%
Liquidity Ratio 21.01%
Profitability Santa Rosa County Federal Credit Union
Milton, FL
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5-Year Return on Average Assets 0.96%
Net Income 1.74M
Net Interest Spread 4.03%
Operating Profit to Average Assets 1.47%
Overhead Efficiency Ratio 69.65%
Return on Assets 1.11%
Return on Equity 10.34%