SAN ANTONIO CITIZENS
Charter #10699 · San Antonio, FL · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.12% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.24% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.21% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 70.42% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- On Cost of funds, the asset-size band puts this credit union at the 46th percentile but its structural peers at the 67th — a 21-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | SAN ANTONIO CITIZENS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $401.55M | 89th pct | 84th pct |
| Members | 18,427 | 72th pct | 61th pct |
| Net worth ratio | 10.69% | 38th pct | 43th pct |
| Return on average assets | 1.12% | 76th pct | 79th pct |
| Net interest margin | 3.57% | 45th pct | 56th pct |
| Cost of funds | 1.15% | 46th pct | 67th pct |
| Loan-to-share | 49.19% | 11th pct | 21th pct |
| Delinquency 60+ days | 0.24% | 16th pct | 21th pct |
| Net charge-off ratio | 0.21% | 33th pct | 25th pct |
| Loan growth YoY | 12.53% | 99th pct | 98th pct |
| Share growth YoY | 1.72% | 24th pct | 23th pct |
| Efficiency ratio | 70.42% | 25th pct | 20th pct |
structural peer set hash: abc59da50fa9b9e265756f2c827afcd4… (reproducible)
Closest structural peers
This is the free public view
Claim SAN ANTONIO CITIZENS
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.