Sonoma

Santa Rosa, CA · 1 · Charter #14415 · www.sonomafed.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$80.6M
31th percentile
Members
1,798
1th percentile
Total loans
$54.3M
44th percentile
Total shares
$66.5M
29th percentile

Profitability

Return on assets
1.52%
78th percentile
Net interest margin
3.06%
20th percentile
Efficiency ratio
34.29%
98th percentile
Non-interest income ratio
10.98%
19th percentile

Capital & Risk

Net worth ratio
12.57%
54th percentile
Delinquency rate
0.87%
41th percentile
Net charge-off rate
0.00%
98th percentile
Loan-to-share
81.67%
74th percentile

Growth

Member growth YoY
0.67%
67th percentile
Asset growth YoY
6.31%
72th percentile
Loan growth YoY
5.00%
71th percentile
Share growth YoY
5.23%
66th percentile

Operations

Members / branch
599
0th percentile
Assets / member
$44,820
99th percentile
Field of membership penetration
0.36%
3th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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