# SANTA ROSA COUNTY
MILTON, FL · NCUA charter 11780 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/santa-rosa-county-11780

Who the members are: federal charter, community charter, organized 1957, low-income designated. 13,743 members of 629,813 potential (2.2% of the field); checking penetration 69% (share draft accounts per 100 members); loans per 100 members 50.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $221.2M |
| Members | 13,743 (0.1% YoY) |
| Full-time staff | 43 |
| Net worth | $29.7M |
| Net worth ratio | 13.4% (p77 of band) |
| ROA (annualized) | 1.08% (p75 of band) |
| Total delinquency | 1.14% (p85 of band) |
| Net charge-offs (annualized) | 0.40% (p50 of band) |
| Loans / shares | 45% (p3 of band) |
| Cash / assets | 27.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.50% (p46 of band) |
| Operating expense / assets | 3.44% (p39 of band) |
| Vehicles % of loans | 55% (p87 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 49% |
| Third-party paper % of net worth | 80% (p50 of band) |
| Vehicle delinquency | 0.87% (p70 of band) |
| Vehicle NCO | 0.43% (p38 of band) |
| Repossessed % of vehicle book | 0.24% (p88 of band) |
| Real estate % of loans | 21% |
| Credit cards % of loans | 12% |
| Unsecured % of loans | 18% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 76% |
| Certificates % of member funds | 16% |
| Average share balance | $6,946 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 50% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $12,693 |
| Loans granted, annualized | $35.8M |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | net worth falling |  |
| 2017-09 | 0 |  | net worth falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | net worth falling |  |
| 2019-09 | 0 |  | net worth falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | delinquency rising |  |
| 2020-06 | 1 | net worth falling | delinquency rising |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | margin squeeze |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | net worth falling |
| 2021-12 | 0 |  | margin squeeze |
| 2022-03 | 2 | delinquency 2x band, delinquency rising |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 1 |  | delinquency 2x band |
| 2022-12 | 3 | delinquency 2x band, 3rd-party paper>100% NW |  |
| 2023-03 | 1 |  | delinquency rising, delinquency 2x band |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | delinquency 2x band |  |
| 2025-06 | 0 |  | 3rd-party paper>100% NW, delinquency 2x band |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-24 [Eglin Federal Credit Union opens new Pace branch - Get The Coast](https://news.google.com/rss/articles/CBMifkFVX3lxTE9sYjBLR2U0eGdrR1lMMmFNRkhKSTM0X1J2UHdWbEpRWHlrVlU3MjFQazlhNWRDRlR5ZFhGTFRiNzVVcXR5ODFyYmpNWXgwSW1mc2JZOGJSdGM1LTFUbHBBS04tRWV3YzZIRUU2cUtPVkdrc1Zac1hnYzZxM1AyZw?oc=5) · Get The Coast
- 2026-03-30 [Pedestrian seriously injured after car crashes into Escambia County credit union - WEAR-TV](https://news.google.com/rss/articles/CBMipAFBVV95cUxNRVQ5VnBfRzg5ZjZzdmtBT241bm1uWDJyZVNvRnhpRWt0TVFBa2hUNTNoRjRmVzc1cmxKZV8ycUpnRm9wXy1FSHVLblREcVNCNnRHV2NSTWI3a2ZBMzhWVHhVOW1YcnlIRExxRHVBS3ZsYWFFaEYwbS1WTEEydy1IRlI3TVdvTkhVSVV4eFNCOWxCdGpuZFA3d2c2RWZ5cDdaVmQyQw?oc=5) · WEAR-TV
- 2026-04-08 [Francis Melvin Obituary (2026) - Milton, FL - Lewis Funeral Homes & Crematory - Milton Chapel - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxQTmlWWUtpaGlKOEtHUHFNdldZS0V5ejEzT2RiSGhJT091RGFGbHNnR3MyeGpRNzNqd1NHOEFyZVhIdlNYQTN1Q2hGakFHNFVFS0wyczRudHp4SmlkSmJMeS1BVXhvT3B2YXdUZVdyZm1nQ0R5Tlk4N1gxZDB3MG04WVp0NA?oc=5) · legacy.com
- 2024-04-23 [Eglin Federal Credit Union opens new Pace branch - CUInsight](https://news.google.com/rss/articles/CBMikwFBVV95cUxNWnZ4X2dHZHlKZWZZazNpNTU4OGVYUUwtZ3M2ZmxnRmdpYV82R2RTWEZ3OERiYmZQSTY4OUlCM2VKM3BVa0p1QkNvVkVjYkpkblpLb3dYRmJxNVVBQW1RbGlvT3Buem41NkJueU9nc0lBcEJ3bERTSllDM3ZsQ2thZTEzUTNENDZKRzdJODItVXlkb0k?oc=5) · CUInsight
- 2020-03-02 [Milton officer shoots suspect accused of robbing Santa Rosa County Federal Credit Union - Pensacola News Journal](https://news.google.com/rss/articles/CBMizAFBVV95cUxOdVFRSmF0cC00dEJOMTYtdFV6bThwY0l2M2tGZDJTZnc2UFA5UmtlRWJjY3ptVUZGbkpxNTdxdzAzMUdtRU02bURGdGpkZUFHZ2ZJdlp6WDFiMFhnQnd1UUhDSG9NSEtoQkhqc25kQ2tsT3FYUXZUR1paQjNBSjV3bThhMVNuMktoTnYtVnprenB0TTVMMkJNSmk4Mno5eTBFZGZGbUhVd3RuLVVPUzgxNzRqd1RVRHJPS2p6Y0JwQTZJNFNoamZSdGlqMW8?oc=5) · Pensacola News Journal
- 2025-09-30 [PenAir Credit Union opens first branch in Okaloosa County - WEAR-TV](https://news.google.com/rss/articles/CBMikAFBVV95cUxPR3hyT0tXbG5rVkxwemZiT2dCNzVoZXpVWWdjVjhzR0hjYkFRN0R4TlRNU0FXV3NOcThMOHg5YjlrRFJ0ZktvRjNfY3czdXBnd1piM1BxeVFIT1l1ZlM1aldwNjlBbFdVTHBQNzdfY181R3o2amIwSmhBZlAtOE12anc3ZjV5RkFxSjlmazFYSXc?oc=5) · WEAR-TV
- 2020-03-02 [Milton officer shoots suspect accused of robbing Santa Rosa County Federal Credit Union - nwfdailynews.com](https://news.google.com/rss/articles/CBMi5AFBVV95cUxQM0Q2UmUtT2U3eGNlUE5rOUp3b0xpOHNHVHVZTnF3c2pOcGtUNWxSVXgxUm5CVkhRMVExTkg3T2FNZXhTVnROMUhROGl6cDFpQmJpenU0ZHVrSTU2U2QtYnJuNGFRdDJYT0VlWXU5S0labG9kemROb1A4dVRqTVdKYnVTUHVGLTVqQVVrNjdzZnFXME9mNVlELWRaMXZmWWlzWktFOHFLUzJVbjVmdFpxMnhJWlRxWjJ5YjUwNzRYYVZ2UlJGUVljX0JjRkRVeEZEbHI2VXpkYTVvbF9Xdno4aVNkZVI?oc=5) · nwfdailynews.com
- 2025-08-25 [Stuff the Bus garnered $78K in school supplies, donations in 2025 - srpressgazette.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxPekk0ZU83MDBBblRuRFVLSlQwODVPX3hybzZ0cDZRUC01UnBfTXR2ZkNkR2FWdDl1aEhNNThZb2lvcWt1LUZnOU1talQtVDJFRFdTRmxuNUlUX0hueFZzYWFxOFFmcmU3NmFrLTF5d0JLbndSbVZtblFsOXdtN2M3M2VfV3R6SWR2a1JUY29xSEZDdVZ0MlE?oc=5) · srpressgazette.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=11780 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/4.json (key "11780", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=11780
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide