SANTA MARIA ASSOCIATED EMPLOYEES
Charter #12508 · Santa Maria, CA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.22% sits at the 10th percentile of structural peers — worth a closer look.
- Net interest margin of 5.35% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.09% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 58th percentile but its structural peers at the 26th — a 32-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | SANTA MARIA ASSOCIATED EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $4.92M | 58th pct | 26th pct |
| Members | 1,034 | 84th pct | 61th pct |
| Net worth ratio | 9.22% | 10th pct | 10th pct |
| Return on average assets | 0.22% | 42th pct | 36th pct |
| Net interest margin | 5.35% | 83th pct | 89th pct |
| Cost of funds | 0.09% | 20th pct | 8th pct |
| Loan-to-share | 72.45% | 67th pct | 64th pct |
| Delinquency 60+ days | 0.06% | 30th pct | 34th pct |
| Net charge-off ratio | 0.00% | 22th pct | 33th pct |
| Loan growth YoY | -2.08% | 65th pct | 56th pct |
| Share growth YoY | 2.22% | 66th pct | 56th pct |
| Efficiency ratio | 96.04% | 67th pct | 72th pct |
structural peer set hash: 3fadb4b10065e3024c6d34b7d2fabdc3… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.