Sep, 30, 2025 — SANTA ROSA COUNTY FEDERAL CREDIT UNION is a federal credit union headquartered in MILTON, FL with 5 branch locations and about $211.46 million in total assets. Opened 69 years ago in 1957, SANTA ROSA COUNTY FEDERAL CREDIT UNION has about 13,730 members and employs 44 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | SANTA ROSA COUNTY FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 5909 Stewart St MILTON, FL 32570 |
| Phone: | (850) 623-3877 |
| Fax: | (850) 626-8916 |
| Website: | https://www.srcfcu.org |
| Branches: | 5 branch locations |
| Members: | 13,730 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 11780 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1957 |
| Last Audited: | Jun 01, 2025 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $211,462,260 |
| CEO/Manager: | Steve German |
| Chairperson: | Paul O Hinson |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 13,363,650 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 17,675,114 |
| Unsecured Loans | 14,662,089 |
| Other Loans | 52,946,404 |
| TOTAL LOANS | 85,283,608 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -899,766 |
| Land And Building | 3,074,732 |
| Other Fixed Assets | 590,728 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 1,673,772 |
| All Other Assets | 124,027 |
| TOTAL ASSETS | 211,462,260 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 301 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 963,662 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 41,806,606 |
| Regular shares | 101,876,055 |
| All Other Shares & Deposits | 42,338,287 |
| TOTAL SHARES & DEPOSITS | 186,020,948 |
| TOTAL LIABILITIES | 186,984,911 |
| Regular Reserve | 0 |
| Other Reserves | -4,055,278 |
| Undivided Earnings | 28,532,627 |
| TOTAL EQUITY | 24,477,349 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 211,462,260 |
| INCOME & EXPENSE | |
| Loan Income | 4,239,683 |
| Investment Income | 2,875,414 |
| Other Income | 1,026,767 |
| Total Employee Compensation & Benefits | 2,533,971 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 2,773,833 |
| Non-operating Income & (Expense) | -101 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 574,000 |
| Cost of Funds | 1,539,887 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 1,739,397 |
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