Federal credit union · Santa Barbara, California · NCUA charter #1909
Santa Barbara Teachers
Health score 84/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $305.4M
- Total assets
- 9,187
- Members
- 13.5%
- Net-worth ratio
Santa Barbara Teachers - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #1909: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Santa Barbara Teachers - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth41
- Liquidity (loan-to-share)53
Weighted composite: 84/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 13.50% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 13.50% | 30% |
| Delinquency Rate | 0.01% | 25% |
| Return on Assets | 1.34% | 15% |
| Member Growth | -1.59% | 15% |
| Loan-to-Share Ratio | 22.46% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $305.4M | 9,187 |
| 2024Q4 | $282.4M | 9,335 |
| 2023Q4 | $280.4M | 9,502 |
Credit Union Details
- Charter Number
- 1909
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- California
- City
- Santa Barbara
- Data Quarter
- 2025Q4
What This Data Says About Santa Barbara Teachers
Headquartered in Santa Barbara, California, Santa Barbara Teachers is a federal credit union with 9,187 members, $305.4M in total assets, and $59.1M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 84/100 (Excellent), driven in part by a net worth ratio of 13.50% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #1909 and reports within peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
On loan book quality: 0.01% of loans are 60+ days past due against the total loan book - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. Meanwhile a 22.46% loan-to-share ratio shows how aggressively member deposits get deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 1.34% on net income of $4.1M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -1.59%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Community) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in California
A look at other California credit unions, ranked by how closely their peer group and asset size match this one.
- FAMILIES AND SCHOOLS TOGETHERHanford, CA · $100M–$500M97Health
- DOWNEYDOWNEY, CA · $100M–$500M82Health
- HERITAGE COMMUNITYRancho Cordova, CA · $100M–$500M81Health
- EDWARDSEdwards, CA · $100M–$500M85Health
- STRATABAKERSFIELD, CA · $100M–$500M96Health
Compare Santa Barbara Teachers vs FAMILIES AND SCHOOLS TOGETHER
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Santa Barbara Teachers financially healthy?
Yes/no aside, the number is 84/100 (Excellent) - Santa Barbara Teachers's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 13.50% net worth ratio and 0.01% delinquency rate are the key drivers.
How does Santa Barbara Teachers compare to other credit unions?
PlainCU's health composite puts Santa Barbara Teachers at 84/100, compared to a peer group average for $100M–$500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Santa Barbara Teachers?
Santa Barbara Teachers operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Santa Barbara Teachers directly for the exact boundaries and application steps.
Is my money safe at Santa Barbara Teachers?
Federal credit unions like Santa Barbara Teachers are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Santa Barbara Teachers's net worth ratio of 13.50% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Santa Barbara Teachers offer compared to banks?
Credit unions like Santa Barbara Teachers are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Santa Barbara Teachers directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.