SANTA BARBARA COUNTY
Charter #6711 · SANTA BARBARA, CA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Delinquency 60+ days of 0.01% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 27th percentile but its structural peers at the 44th — a 18-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 COUNTY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $64.75M | 36th pct | 30th pct |
| Members | 3,981 | 27th pct | 39th pct |
| Net worth ratio | 12.77% | 50th pct | 57th pct |
| Return on average assets | 0.26% | 25th pct | 28th pct |
| Net interest margin | 3.27% | 27th pct | 44th pct |
| Cost of funds | 0.55% | 26th pct | 26th pct |
| Loan-to-share | 49.89% | 30th pct | 30th pct |
| Delinquency 60+ days | 0.01% | 2th pct | 7th pct |
| Net charge-off ratio | 0.05% | 25th pct | 38th pct |
| Loan growth YoY | 0.19% | 66th pct | 62th pct |
| Share growth YoY | -3.00% | 5th pct | 3th pct |
| Efficiency ratio | 87.68% | 74th pct | 61th pct |
structural peer set hash: 21109469e3fbaf280349d31a182ab2d1… (reproducible)
Closest structural peers
This is the free public view
Claim SANTA BARBARA COUNTY
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.