Federal credit union · Santa Maria, California · NCUA charter #12508
Santa Maria Associated Employees
Health score 97/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 97
- Health / 100
- $4.8M
- Total assets
- 1,030
- Members
- 9.2%
- Net-worth ratio
Santa Maria Associated Employees scores 97/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.8M; members 1,030; net-worth ratio 9.22%; health rank #212 of 4,374; healthier than 95th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#212 of 4,374 health · 2025Q4Santa Maria Associated · health 97/100 · $4.8M · 2025Q4
- CHARTER 97/100
- NCUSIF 9.2%
- CAMELS 0.07%
- HEALTH 1.13%
- NW $4.8M
- DELQ 1,030
- ROA #212/4,374
- ASSETS n/a
- MEM 12508
Call Report peers
Santa Maria Associated Employees carries $4.8M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Santa Maria Associated Employees vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
97 Top 5% higher than 95% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Santa Maria Associated Employees - Share Insurance Coverage
Charter #12508's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Where Santa Maria Associated Employees diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 71.18% here, 63.60% peer average (+7.58 pp).
- Widest shortfall vs peers is Net Worth Ratio: -9.84 pp (9.22% vs 19.06%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
California standing for Santa Maria Associated Employees
- In California, health place is #15 of 243 on the same NCUA-ratio sort used nationally.
- Assets rank #232 of 243 inside California ($4.8M reported).
- Membership ranks #224 of 243 among California CUs with a reported count (1,030 members).
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Santa Maria Associated Employees: 2025Q4 → 2026Q1
Santa Maria Associated Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.5% from $4.8M (2025Q4) to $4.9M (2026Q1).
- Net-worth ratio shifted -0.27 pp (9.49% → 9.22%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 9.22% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 97/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 97.
- Net Worth Ratio 28.1 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 13.7 pts
- Loan-to-Share Ratio 15.2 pts
Santa Maria Associated health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.22% | -9.84 pp |
| Delinquency Rate | 0.07% | -1.74 pp |
| Return on Assets | 1.13% | +0.68 pp |
| Member Growth | 3.94% | - |
| Loan-to-Share Ratio | 71.18% | +7.58 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Santa Maria Associated Employees quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $4.9M | - |
| 2025Q4 | $4.8M | 1,030 |
| 2024Q4 | $4.9M | 991 |
| 2023Q4 | $5.2M | 1,171 |
Credit Union Details
- Charter Number
- 12508
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $2M–$10M
- State
- California
- City
- Santa Maria
- Data Quarter
- 2025Q4
Branch Location
Santa Maria Associated Employees operates a single office in Santa Maria, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Santa Maria (Main Office) | Santa Maria, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
- VALLEY AGRICULTURALSANTA PAULA, CA · $2M–$10M81Health
- SUNKIST EMPLOYEESValencia, CA · $2M–$10M84Health
- CHULA VISTA CITY EMPLOYEESChula Vista, CA · $2M–$10M89Health
- U.S.B. EMPLOYEESWilmington, CA · $2M–$10M76Health
- DENOCOSCRESCENT CITY, CA · $2M–$10M82Health
Compare Santa Maria Associated Employees vs VALLEY AGRICULTURAL
Other-state peers near Santa Maria Associated Employees
Santa Maria Associated Employees's nationwide photo peers by assets and by health score, excluding California charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (97/100 here).
Using this data
- Santa Maria Associated Employees ranks #212 of 4,374 nationally on financial health and #15 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Valley Agricultural is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Valley Agricultural
- Rates and health both vary by institution, not just by state -- see how California credit unions compare overall before assuming this one is typical. California state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Santa Maria Associated Employees financially healthy?
A 9.22% net worth ratio and a 0.07% delinquency rate feed into Santa Maria Associated Employees's financial health score of 97/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #212 of 4,374; by total assets it ranks #3,913 of 4,374 nationally (same basis as /rankings/largest); and #232 of 243 within California. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Santa Maria Associated Employees compare to other credit unions?
Five weighted metrics from NCUA filings produce Santa Maria Associated Employees's 97/100 score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Maria Associated Employees?
Santa Maria Associated Employees serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Santa Maria Associated Employees directly for the current list of qualifying groups.
Is my money safe at Santa Maria Associated Employees?
Federal credit unions like Santa Maria Associated Employees 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 Maria Associated Employees's net worth ratio of 9.22% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Santa Maria Associated Employees offer compared to banks?
Credit unions like Santa Maria Associated Employees 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 Maria Associated Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
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.