San Antonio Citizens Federal Credit Union San Antonio, Florida
San Antonio Citizens Federal Credit Union is a federal credit union headquartered in San Antonio, FL, established in 1955 (NCUA charter 10699), and it is regulated and insured by the NCUA. At Q2 2026 it reported 18,441 members and total assets of $399.9M (up 2.9% from Q2 2025), the 39th largest of 106 credit unions headquartered in Florida. Its net worth ratio was 11.02% at Q2 2026, in the well capitalized band.
Also written as San Antonio Citizens FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 10699
- Headquarters
- San Antonio, FL
- Established
- 1955
- Total assets, Q2 2026
- $399.9M
- Assets vs Q2 2025
- +2.9%
- Members, Q2 2026
- 18,441
- Net worth ratio, Q2 2026
- 11.02%
- Latest call report
- Q2 2026, NCUA 5300 · San Antonio Citizens Federal Credit Union call report
- Asset rank in state
- 39th of 106 in Florida
- Routing number
- 263182040
- Branches
- 5
It has 424 fewer members than on June 30, 2025 (-2.2%). Its net worth ratio was up 0.67 percentage points from 10.35% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $69.1M of $178.9M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.28% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 11.02% net worth ratio is below that band's 11.43% median.
Frequently asked about San Antonio Citizens Federal Credit Union
How big is San Antonio Citizens Federal Credit Union?
At Q2 2026 it reported total assets of $399.9M and 18,441 members.
Where is San Antonio Citizens Federal Credit Union headquartered?
It is headquartered in San Antonio, FL, United States.
When was San Antonio Citizens Federal Credit Union founded?
It was established in 1955, per NCUA records.
Is San Antonio Citizens Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 10699): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates San Antonio Citizens Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is San Antonio Citizens Federal Credit Union well capitalized?
Its net worth ratio was 11.02% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is San Antonio Citizens Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.28% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is San Antonio Citizens Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 50.13% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- San Antonio, FL 33576
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1955
- NCUA Charter #
- 10699
- RSSD ID
- 770983
- Members
- 18,441
- Potential members
- 238,537
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 2 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 11.02% | 11.43% | 44th below |
| Return on assets Middle half of peers: 0.43% to 1.23% | 1.15% | 0.81% | 70th above |
| Return on equity Middle half of peers: 3.87% to 9.84% | 10.41% | 7.02% | 78th top |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.68% | 3.70% | 48th below |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 74.19% | 76.55% | 58th above |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.08% | 1.24% | 62nd above |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.28% | 0.68% | 84th top |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 4.76% | 4.92% | 40th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 50.13% | 75.66% | 10th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$399.9M total assets against $388.5M; $356.8M total shares and deposits against $350.2M; $178.9M total loans against $157.3M.
$44.1M net worth against $40.2M.
11.02% net worth ratio against 10.35%.
50.13% loan-to-share ratio against 44.93%.
0.28% delinquency ratio against 0.15%.
1.15% return on assets against 1.30%; 10.41% return on equity against 12.58%.
3.68% net interest margin against 3.56%.
18,441 members against 18,865.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.02% | 1.15% | 0.28% | 50.13% |
| March 31, 2026 | 10.69% | 1.11% | 0.24% | 49.19% |
| December 31, 2025 | 10.65% | 0.40% | 0.26% | 46.69% |
| September 30, 2025 | 10.50% | 1.22% | 0.09% | 44.47% |
| June 30, 2025 | 10.35% | 1.30% | 0.15% | 44.93% |
| March 31, 2025 | 9.89% | 1.44% | 0.08% | 44.23% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.