Santa Barbara County
Santa Barbara, CA · Charter 6711 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 1 branch
Q2 2026
$64.8MAssets
$28.0MLoans
$55.8MShares
$8.7MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 92% of credit unions under $1B in assets in CA (rank 6 of 62).
- Widest gap: net interest margin trails 63% of credit unions under $1B in assets in CA (rank 40 of 63).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.61%
Rank 8 of 63
Net Interest Margin
3.37%
Rank 40 of 63
Efficiency Ratio
62.36%
Rank 8 of 63
Equity / Assets
13.49%
Rank 20 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.61% | 0.17% | 0.56% | 1.17% | Beats 87% | 8 / 63 | | |
| Return on Equity | 11.94% | 1.81% | 4.79% | 8.64% | Beats 89% | 7 / 63 | | |
| Net Interest Margin | 3.37% | 3.18% | 3.49% | 3.98% | Beats 37% | 40 / 63 | | |
| Efficiency Ratio | 62.36% | 70.58% | 81.25% | 89.21% | Beats 89% | 8 / 63 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.04% | 0.17% | 0.42% | 0.85% | Beats 92% | 6 / 62 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.49% | 8.61% | 10.56% | 14.01% | Beats 68% | 20 / 63 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.49% | 8.61% | 10.56% | 14.01% | Beats 68% | 20 / 63 | | |
| Liquidity & Funding |
| Loans / Deposits | 50.17% | 53.46% | 72.75% | 85.33% | 19th pctl | 50 / 62 | | |
| Loans / Assets | 43.20% | 46.35% | 58.08% | 72.17% | 19th pctl | 51 / 63 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |