SANTA ROSA COUNTY
Charter #11780 · MILTON, FL · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Delinquency 60+ days of 1.14% sits at the 82nd percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 8th percentile but its structural peers at the 38th — a 30-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 | SANTA ROSA COUNTY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $221.19M | 57th pct | 79th pct |
| Members | 13,743 | 53th pct | 72th pct |
| Net worth ratio | 13.44% | 74th pct | 57th pct |
| Return on average assets | 1.10% | 74th pct | 69th pct |
| Net interest margin | 3.55% | 42th pct | 46th pct |
| Cost of funds | 1.06% | 41th pct | 69th pct |
| Loan-to-share | 45.13% | 8th pct | 38th pct |
| Delinquency 60+ days | 1.14% | 81th pct | 82th pct |
| Net charge-off ratio | 0.41% | 54th pct | 41th pct |
| Loan growth YoY | 3.11% | 76th pct | 95th pct |
| Share growth YoY | 4.76% | 68th pct | 75th pct |
| Efficiency ratio | 72.39% | 30th pct | 28th pct |
structural peer set hash: a08002ecb480aab98d7c26480c5ef9ea… (reproducible)
Closest structural peers
This is the free public view
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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.