A
Santa Barbara County Federal Credit Union
Rating Date
December 2025
Net Capital
Ratio
12.07
Leverage
Ratio
12.07
Return On
Assets
1.71%
Total
Assets
66.31M
Capital
8.00M
Total
Deposits
58.04M
Net
Income
831.00K
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Weiss Ratings Santa Barbara County Federal Credit Union
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Rating A
Asset Quality Index 10.00
Capitalization Index 10.00
Liquidity Index 5.10
Profitability Index 9.60
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 6.44%
5-Year Asset Growth 5.90%
5-Year Charge-Offs to Average Loans -0.11%
Charge-Offs to Average Loans 0.13%
Non-Performing Assets to Assets 0.00%
Non-Performing Loans to Capital 0.01%
Non-Performing Loans to Loans 0.00%
Balance Sheet Santa Barbara County Federal Credit Union
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Total Assets 66.31M
Total Deposits 58.04M
Capital and Reserves Santa Barbara County Federal Credit Union
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Capital 8.00M
Leverage Ratio 12.07
Loan Loss Reserves to Loans 0.17%
Liquidity Santa Barbara County Federal Credit Union
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Hot Money Ratio 0.00%
Liquidity Ratio 24.35%
Profitability Santa Barbara County Federal Credit Union
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5-Year Return on Average Assets 1.01%
Net Income 831.00K
Net Interest Spread 3.60%
Operating Profit to Average Assets 1.25%
Overhead Efficiency Ratio 60.76%
Return on Assets 1.71%
Return on Equity 14.74%