Santa Maria Associated Employees

Santa Maria, CA · 1 · Charter #12508 · HTTPS://WWW.SMCREDITUNION.ORG
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$4.8M
23th percentile
Members
1,030
38th percentile
Total loans
$3.2M
32th percentile
Total shares
$4.4M
27th percentile

Profitability

Return on assets
0.36%
30th percentile
Net interest margin
5.23%
88th percentile
Efficiency ratio
88.37%
14th percentile
Non-interest income ratio
5.58%
36th percentile

Capital & Risk

Net worth ratio
9.49%
13th percentile
Delinquency rate
0.07%
79th percentile
Net charge-off rate
0.31%
43th percentile
Loan-to-share
71.18%
65th percentile

Growth

Member growth YoY
3.94%
92th percentile
Asset growth YoY
-2.70%
26th percentile
Loan growth YoY
-1.03%
58th percentile
Share growth YoY
-0.32%
44th percentile

Operations

Members / branch
1,030
47th percentile
Assets / member
$4,615
14th percentile
Field of membership penetration
18.73%
32th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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