Santa Barbara County

SANTA BARBARA, CA · 1 · Charter #6711 · www.sbcreditunion.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
$64.7M
16th percentile
Members
3,949
13th percentile
Total loans
$28.3M
12th percentile
Total shares
$56.2M
18th percentile

Profitability

Return on assets
1.69%
84th percentile
Net interest margin
3.52%
42th percentile
Efficiency ratio
55.02%
72th percentile
Non-interest income ratio
18.68%
58th percentile

Capital & Risk

Net worth ratio
12.72%
56th percentile
Delinquency rate
0.02%
98th percentile
Net charge-off rate
0.15%
76th percentile
Loan-to-share
50.38%
20th percentile

Growth

Member growth YoY
-0.60%
50th percentile
Asset growth YoY
-0.15%
19th percentile
Loan growth YoY
1.46%
51th percentile
Share growth YoY
-1.62%
14th percentile

Operations

Members / branch
3,949
68th percentile
Assets / member
$16,379
66th percentile
Field of membership penetration
39.49%
85th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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