Sep, 30, 2025 — SAN ANTONIO CITIZENS FEDERAL CREDIT UNION is a federal credit union headquartered in SAN ANTONIO, FL with 4 branch locations and about $394.53 million in total assets. Opened 71 years ago in 1955, SAN ANTONIO CITIZENS FEDERAL CREDIT UNION has about 18,938 members and employs 58 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | SAN ANTONIO CITIZENS FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 12542 Curley St SAN ANTONIO, FL 33576 |
| Phone: | (352) 588-2732 |
| Fax: | (352) 588-2810 |
| Website: | https://www.sacfcu.org |
| Branches: | 4 branch locations |
| Members: | 18,938 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 10699 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1955 |
| Last Audited: | Mar 01, 2025 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $394,529,653 |
| CEO/Manager: | Steven Shaffner |
| Chairperson: | John T Vogel |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 48,288,295 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 69,920,121 |
| Unsecured Loans | 12,248,453 |
| Other Loans | 74,744,802 |
| TOTAL LOANS | 156,913,376 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -1,649,772 |
| Land And Building | 12,171,601 |
| Other Fixed Assets | 1,587,543 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 3,215,743 |
| All Other Assets | 158,355 |
| TOTAL ASSETS | 394,529,653 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 137,967 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 5,183,163 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 74,858,114 |
| Regular shares | 126,859,321 |
| All Other Shares & Deposits | 151,120,332 |
| TOTAL SHARES & DEPOSITS | 352,837,767 |
| TOTAL LIABILITIES | 358,158,897 |
| Regular Reserve | 0 |
| Other Reserves | -5,065,100 |
| Undivided Earnings | 41,435,856 |
| TOTAL EQUITY | 36,370,756 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 394,529,653 |
| INCOME & EXPENSE | |
| Loan Income | 7,775,487 |
| Investment Income | 5,692,840 |
| Other Income | 1,013,242 |
| Total Employee Compensation & Benefits | 4,054,086 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 4,685,167 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 347,255 |
| Cost of Funds | 3,169,249 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 3,891,084 |
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