Federal credit union · Santa Rosa, California · NCUA charter #14415
SONOMA
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $80.6M
- Total assets
- 1,798
- Members
- 13.0%
- Net-worth ratio
SONOMA scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $80.6M; members 1,798; net-worth ratio 13.03%; health rank #931 of 4,374; healthier than 77th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#931 of 4,374 health · 2025Q4SONOMA · health 91/100 · $80.6M · 2025Q4
- NW 91/100
- DELQ 13.0%
- ROA 0.87%
- ASSETS 1.30%
- MEM $80.6M
- RANK 1,798
- PHOTO #931/4,374
- BOOK Lake Huron
- CHARTER 14415
Call Report peers
SONOMA in the assets neighbourhood
SONOMA's $80.6M assets sit next to Lake Huron ($80.4M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
SONOMA 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
91 Top 23% higher than 77% 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
SONOMA - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #14415, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Where SONOMA diverges from peer averages
- Strongest edge vs 584 $50M–$100M peers is Loan-to-Share Ratio: +14.62 pp (77.22% vs 62.60%).
- Largest lag: Net Worth Ratio at 13.03% vs peer 13.62% (-0.59 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
California standing for SONOMA
- In California, health place is #58 of 243 on the same NCUA-ratio sort used nationally.
- By total assets, SONOMA is #162 of 243 in California.
- Member book place in California: #211 of 243.
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How SONOMA's 5300 filing moved
SONOMA: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.6% from $80.6M (2025Q4) to $80.1M (2026Q1).
- Net-worth ratio shifted +0.46 pp (12.57% → 13.03%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 13.03%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 91/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.3 pts
- Return on Assets 15.0 pts
- Member Growth 9.8 pts
- Loan-to-Share Ratio 14.9 pts
SONOMA vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.03% | -0.59 pp |
| Delinquency Rate | 0.87% | -0.09 pp |
| Return on Assets | 1.30% | +0.64 pp |
| Member Growth | 0.67% | - |
| Loan-to-Share Ratio | 77.22% | +14.62 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Call Report history - SONOMA
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $80.1M | - |
| 2025Q4 | $80.6M | 1,798 |
| 2024Q4 | $75.8M | 1,786 |
| 2023Q4 | $63.8M | 1,745 |
Credit Union Details
- Charter Number
- 14415
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- California
- City
- Santa Rosa
- Data Quarter
- 2025Q4
Branch Locations (2)
SONOMA operates 2 offices across 2 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Sonoma Federal Credit Union (Main Office) | Santa Rosa, CA |
| CUProdigy | Salt Lake City, UT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
Other federally-insured credit unions in California, closest first by peer group and asset size.
Cross-state Call Report peers for SONOMA
Cross-state asset and health neighbours for SONOMA - kept outside California; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($80.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
Using this data
- SONOMA ranks #931 of 4,374 nationally on financial health and #58 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- NIKKEI is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with NIKKEI
- 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 SONOMA financially healthy?
A 13.03% net worth ratio and a 0.87% delinquency rate feed into SONOMA's financial health score of 91/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #931 of 4,374; by total assets it ranks #2,010 of 4,374 nationally (same basis as /rankings/largest); and #162 of 243 within California. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does SONOMA compare to other credit unions?
Five weighted metrics from NCUA filings produce SONOMA's 91/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M 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 SONOMA?
SONOMA 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 SONOMA directly for the exact boundaries and application steps.
Is my money safe at SONOMA?
Federal credit unions like SONOMA 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. SONOMA's net worth ratio of 13.03% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does SONOMA offer compared to banks?
Credit unions like SONOMA 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 SONOMA 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.