SANTA BARBARA TEACHERS
Charter #1909 · Santa Barbara, CA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.35% sits at the 21st percentile of structural peers — worth a closer look.
- Cost of funds of 1.98% sits at the 87th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.01% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 60.84% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 26th percentile but its structural peers at the 59th — a 33-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 BARBARA TEACHERS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $309.56M | 75th pct | 80th pct |
| Members | 9,188 | 26th pct | 59th pct |
| Net worth ratio | 13.56% | 75th pct | 61th pct |
| Return on average assets | 0.94% | 66th pct | 66th pct |
| Net interest margin | 2.35% | 3th pct | 21th pct |
| Cost of funds | 1.98% | 87th pct | 87th pct |
| Loan-to-share | 21.97% | 1th pct | 8th pct |
| Delinquency 60+ days | 0.01% | 1th pct | 5th pct |
| Net charge-off ratio | 0.04% | 10th pct | 31th pct |
| Loan growth YoY | -2.01% | 25th pct | 39th pct |
| Share growth YoY | 1.85% | 26th pct | 43th pct |
| Efficiency ratio | 60.84% | 9th pct | 16th pct |
structural peer set hash: c4b107674230c664e2feabf64af86f06… (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.