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.
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NCUA 5300 Call Report Masthead
#212 of 4,374 health · 2025Q4Santa Maria Associated · health 97/100 · $4.8M · 2025Q4
Call Report peers
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
The busiest band is 85-89 (858 credit unions); Santa Maria Associated Employees sits in 95-99 with 391 others.
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
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%).
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).
- One place up in California, 1st United (#14) ties at 97/100; one place down, Pacific Service (#16) scores 96/100, 1 point lower.
Santa Maria Associated Employees: 2025Q4 → 2026Q1
Santa Maria Associated Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.5% from $4.8M (2025Q4) to $4.9M (2026Q1).
- Net-worth ratio shifted -0.27 pp (9.49% → 9.22%).
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
Santa Maria Associated Employees gives up 3 points in total. Net Worth Ratio costs the most, 2 of its 30; Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Santa Maria Associated Employees financially healthy?
Santa Maria Associated Employees has a financial health score of 97/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #212 of 4,374 nationally on health and #15 of 243 in California. Its net worth ratio is 9.22% and its delinquency rate 0.07%.
How does Santa Maria Associated Employees compare to other credit unions?
Santa Maria Associated Employees scores 97/100, higher than 95% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (71.18% vs 63.60%). Its widest shortfall is net worth ratio (9.22% vs 19.06%).
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?
Santa Maria Associated Employees is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.