South Atlantic Federal Credit Union Boca Raton, Florida
South Atlantic Federal Credit Union is a federal credit union headquartered in Boca Raton, FL, established in 1973 (NCUA charter 21202), and it is regulated and insured by the NCUA. At Q2 2026 it reported 2,118 members and total assets of $17.8M (up 2.2% from Q2 2025), the 97th largest of 106 credit unions headquartered in Florida. Its net worth ratio was 9.11% at Q2 2026, in the well capitalized band.
Also written as South Atlantic FCU
BankRegReports is independent of South Atlantic Federal Credit Union and never asks for online banking logins or passwords.
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
- 21202
- Headquarters
- Boca Raton, FL
- Established
- 1973
- Total assets, Q2 2026
- $17.8M
- Assets vs Q2 2025
- +2.2%
- Members, Q2 2026
- 2,118
- Net worth ratio, Q2 2026
- 9.11%
- Latest call report
- Q2 2026, NCUA 5300 · South Atlantic Federal Credit Union call report
- Asset rank in state
- 97th of 106 in Florida
- Routing number
- 267077601
- Branches
- 1
It has 32 fewer members than on June 30, 2025 (-1.5%). Its net worth ratio was down 0.09 percentage points from 9.20% on June 30, 2025. Used vehicle loans are its largest loan category, $4.6M of $9.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.27% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 9.11% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in Florida
Frequently asked about South Atlantic Federal Credit Union
How big is South Atlantic Federal Credit Union?
At Q2 2026 it reported total assets of $17.8M and 2,118 members.
Where is South Atlantic Federal Credit Union headquartered?
It is headquartered in Boca Raton, FL, United States.
When was South Atlantic Federal Credit Union founded?
It was established in 1973, per NCUA records.
Is South Atlantic Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 21202): 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 South Atlantic Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is South Atlantic Federal Credit Union well capitalized?
Its net worth ratio was 9.11% 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 South Atlantic Federal Credit Union's delinquency ratio?
Its delinquency ratio was 1.27% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is South Atlantic Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 56.60% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Boca Raton, FL 33432
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1973
- NCUA Charter #
- 21202
- RSSD ID
- 1015083
- Members
- 2,118
- Potential members
- 3,700
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 2 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 9.11% | 14.31% | under 10th bottom |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.29% | 0.72% | 31st below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 3.17% | 4.74% | 39th below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 5.19% | 3.93% | over 90th top |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 82.54% | 79.83% | 44th below |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.31% | 0.78% | 79th top |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 1.27% | 0.86% | 40th below |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 5.50% | 4.70% | 79th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 56.60% | 58.92% | 47th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$17.8M total assets against $17.4M; $15.9M total shares and deposits against $15.5M; $9.0M total loans against $8.9M.
$1.6M net worth against $1.6M.
9.11% net worth ratio against 9.20%.
56.60% loan-to-share ratio against 57.17%.
1.27% delinquency ratio against 2.69%.
0.29% return on assets against 0.29%; 3.17% return on equity against 3.12%.
5.19% net interest margin against 4.50%.
2,118 members against 2,150.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 9.11% | 0.29% | 1.27% | 56.60% |
| March 31, 2026 | 9.06% | 0.18% | 0.83% | 54.88% |
| December 31, 2025 | 9.16% | 0.35% | 1.13% | 56.18% |
| September 30, 2025 | 9.13% | 0.31% | 1.31% | 57.72% |
| June 30, 2025 | 9.20% | 0.29% | 2.69% | 57.17% |
| March 31, 2025 | 8.56% | 0.15% | 2.30% | 52.06% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
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.