Santa Maria Associated Employees
Santa Maria, CA · Charter 12508 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$4.8MAssets
$3.1MLoans
$4.3MShares
$458KNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 95% of credit unions under $1B in assets (rank 76 of 1683).
- Widest gap: efficiency ratio trails 88% of credit unions under $1B in assets (rank 1487 of 1682).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.29%
Rank 1,316 of 1,683
Net Interest Margin
5.46%
Rank 76 of 1,683
Efficiency Ratio
94.07%
Rank 1,487 of 1,682
Equity / Assets
9.61%
Rank 1,411 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.29% | 0.35% | 0.74% | 1.18% | Beats 22% | 1,316 / 1,683 | |
| Return on Equity | 3.06% | 2.67% | 5.89% | 8.74% | Beats 28% | 1,205 / 1,681 | |
| Net Interest Margin | 5.46% | 3.31% | 3.82% | 4.32% | Beats 95% | 76 / 1,683 | |
| Efficiency Ratio | 94.07% | 68.91% | 78.20% | 86.93% | Beats 12% | 1,487 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.22% | 0.26% | 0.65% | 1.29% | Beats 78% | 368 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.61% | 10.44% | 12.89% | 16.53% | Beats 16% | 1,411 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.61% | 10.44% | 12.89% | 16.53% | Beats 16% | 1,411 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 72.28% | 52.61% | 69.38% | 83.50% | 55th pctl | 751 / 1,683 | |
| Loans / Assets | 65.32% | 44.71% | 59.18% | 70.72% | 63rd pctl | 622 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |