Santa Rosa County vs Florida
Comparing a Credit Union in Milton, FL with a Credit Union in Gainesville, FL using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Santa Rosa County ↗ Credit Union · Milton, FL · Est. 1957 | Florida ↗ Credit Union · Gainesville, FL · Est. 1954 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Credit Union | Credit Union |
| Location | Milton, FL | Gainesville, FL |
| Total assets | $221.2M | $2.7B |
| Net worth ratio | 13.4% | 12.7% |
| Return on assets | 1.1% | 1.4% |
| Shares & deposits | — | — |
| Members | 13,743 | 180,764 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #3 of 107 | #6 of 107 |
| Established | 1957 | 1954 |
Santa Rosa County
- Assets: $221.2M
- Members: 13,743
- Capital ratio: 13.4%
- Return on assets: 1.1%
- CFPB complaints: 0
- State rank: #3 of 107
Florida
- Assets: $2.7B
- Members: 180,764
- Capital ratio: 12.7%
- Return on assets: 1.4%
- CFPB complaints: 0
- State rank: #6 of 107
Are both institutions federally insured?
Yes. Santa Rosa County is NCUA-insured and Florida is NCUA-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Santa Rosa County or Florida?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Santa Rosa County scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Santa Rosa County safe?
Yes — Santa Rosa County is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Florida safe?
Yes — Florida is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Santa Rosa County vs Florida?
Santa Rosa County has a net worth ratio of 13.4%, placing it in the top 24% of $100M–1B peers. Florida's ratio is 12.7%, placing it in the top 22% of $1B–10B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Santa Rosa County have compared to Florida?
The CFPB database shows 0 complaints against Santa Rosa County, and 0 complaints against Florida. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Santa Rosa County with other Credit Unions in Florida
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
