B
Santa Barbara County Federal Credit Union
Rating Date
July 2025
Net Capital
Ratio
11.69
Leverage
Ratio
11.69
Return On
Assets
1.60%
Total
Assets
65.78M
Capital
7.69M
Total
Deposits
57.74M
Net
Income
516.00K
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Weiss Ratings Santa Barbara County Federal Credit Union
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Rating B
Asset Quality Index 10.00
Capitalization Index 9.80
Liquidity Index 4.80
Profitability Index 5.60
Stability Index 6.40
Company Info Santa Barbara County Federal Credit Union
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NCUA Charter Number 1516
Phone Number (805) 682-3357
Website www.sbcreditunion.com
Asset Quality Santa Barbara County Federal Credit Union
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1-Year Asset Growth 5.98%
5-Year Asset Growth 5.90%
5-Year Charge-Offs to Average Loans -0.11%
Charge-Offs to Average Loans 0.07%
Non-Performing Assets to Assets 0.02%
Non-Performing Loans to Capital 0.15%
Non-Performing Loans to Loans 0.04%
Balance Sheet Santa Barbara County Federal Credit Union
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Total Assets 65.78M
Total Deposits 57.74M
Capital and Reserves Santa Barbara County Federal Credit Union
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Capital 7.69M
Leverage Ratio 11.69
Loan Loss Reserves to Loans 0.18%
Liquidity Santa Barbara County Federal Credit Union
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Hot Money Ratio 0.00%
Liquidity Ratio 21.44%
Profitability Santa Barbara County Federal Credit Union
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5-Year Return on Average Assets 1.01%
Net Income 516.00K
Net Interest Spread 3.62%
Operating Profit to Average Assets 1.23%
Overhead Efficiency Ratio 81.64%
Return on Assets 1.60%
Return on Equity 14.04%