PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Santa Barbara County

Santa Barbara, CA · Charter 6711

NCUA · 1 branch

Q2 2026

$64.8MAssets
$28.0MLoans
$55.8MShares
$8.7MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.61%, up 4 bps year over year; NIM at 3.37%.
  • Asset quality: problem loans at 0.04% of loans (0 bps YoY).
  • Capital: net worth / assets of 13.49%, up 181 bps from a year ago.
  • Funding: loans stand at 50.16% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.61%+4 bps YoY

Net Interest Margin (YTD, annualized)

3.37%+13 bps YoY

Efficiency Ratio (YTD, annualized)

62.39%-46 bps YoY

Net Worth / Assets

13.49%+181 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.57%1.67%1.63%0.26%1.61%+4 bps
Return on Equity13.43%13.84%12.82%2.04%11.93%-150 bps
Net Interest Margin3.23%3.19%3.52%3.26%3.37%+13 bps
Efficiency Ratio62.85%60.78%62.04%87.68%62.39%-46 bps
Growth
Asset Growth (YoY)5.98%6.44%-0.15%1.82%-1.45%-743 bps
Loan Growth (YoY)2.01%3.38%1.46%-0.32%0.12%-189 bps
Share Growth (YoY)5.31%5.54%-1.62%0.38%-3.33%-863 bps
Asset Quality
Delinquent Loans / Loans0.04%0.00%0.02%0.01%0.04%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.69%12.07%12.72%12.77%13.49%+181 bps
Net Worth / Assets11.69%12.07%12.72%12.77%13.49%+181 bps
Liquidity & Funding
Loans / Shares48.44%48.30%50.38%49.89%50.16%+172 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps