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.
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NCUA 5300 Call Report Masthead
#931 of 4,374 health · 2025Q4SONOMA · health 91/100 · $80.6M · 2025Q4
Call Report peers
SONOMA in the assets neighbourhood
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SONOMA vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); SONOMA sits in 90-94 with 747 others.
91 Top 23% higher than 77% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in California, Priority One (#57) ties at 91/100; one place down, Los Angeles Police (#59) ties at 91/100.
How SONOMA's 5300 filing moved
SONOMA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.6% from $80.6M (2025Q4) to $80.1M (2026Q1).
- Net-worth ratio shifted +0.46 pp (12.57% → 13.03%).
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
SONOMA gives up 9 points in total. Member Growth costs the most, 5.2 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is SONOMA financially healthy?
On its 2025Q4 NCUA 5300 filing, SONOMA scores 91/100 (Excellent), with a 13.03% net worth ratio and 0.87% of loans delinquent. It ranks #931 of 4,374 nationally on health and #58 of 243 in California.
How does SONOMA compare to other credit unions?
SONOMA scores 91/100, higher than 77% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (77.22% vs 62.60%). Its widest shortfall is net worth ratio (13.03% vs 13.62%).
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?
SONOMA 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. SONOMA's net worth ratio of 13.03% 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.