Federal credit union · Santa Maria, California · NCUA charter #12508
Santa Maria Associated Employees
Health score 94/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $4.8M
- Total assets
- 1,030
- Members
- 8.0%
- Net-worth ratio
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.
Santa Maria Associated Employees - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)83
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth91
- Liquidity (loan-to-share)100
Weighted composite: 94/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 7.96% 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 | 7.96% | 30% |
| Delinquency Rate | 0.07% | 25% |
| Return on Assets | 1.13% | 15% |
| Member Growth | 3.94% | 15% |
| Loan-to-Share Ratio | 71.18% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Santa Maria Associated Employees
The five-factor composite scores Santa Maria Associated Employees at 94/100 (Excellent), reflecting a net worth ratio of 7.96% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in Santa Maria, California, reports 1,030 members, $4.8M in total assets, and $3.2M in outstanding loans as of Q4 2025 under charter #12508 (peer group $2M–$10M, a cohort of 566 similarly-sized institutions).
Deposits deployed into lending sit at a 71.18% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Loan quality, meanwhile, shows 0.07% of the book 60+ days past due - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. Return on assets stands at 1.13% on net income of $54K 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 3.94%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Multiple Common Bond); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
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–$10M74Health
- U.S.B. EMPLOYEESWilmington, CA · $2M–$10M76Health
- DENOCOSCRESCENT CITY, CA · $2M–$10M82Health
Compare Santa Maria Associated Employees vs VALLEY AGRICULTURAL
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 Maria Associated Employees financially healthy?
A 7.96% net worth ratio and a 0.07% delinquency rate feed into Santa Maria Associated Employees's financial health score of 94/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. 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 94/100 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 7.96% 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.
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.