Santa Maria Associated Employees Federal Credit Union

Santa Maria, CA

Rating Date

July 2025

Net Capital
Ratio

Leverage
Ratio

Return On
Assets

Total
Assets

Capital

Total
Deposits

Net
Income

My Lists My Alerts

Weiss Ratings	Santa Maria Associated Employees Federal Credit Union Santa Maria, CA	Click to Compare	Click to Compare	Click to Compare
Rating	D
Asset Quality Index	7.80
Capitalization Index	6.40
Liquidity Index	5.10
Profitability Index	2.80
Stability Index	1.70

Company Info	Santa Maria Associated Employees Federal Credit Union Santa Maria, CA	Click to Compare	Click to Compare	Click to Compare
NCUA Charter Number	2447
Phone Number	(805) 925-0951x409
Website	www.smaefcu.org

Asset Quality	Santa Maria Associated Employees Federal Credit Union Santa Maria, CA	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	-7.09%
5-Year Asset Growth	5.96%
5-Year Charge-Offs to Average Loans	0.26%
Charge-Offs to Average Loans	0.20%
Non-Performing Assets to Assets	0.90%
Non-Performing Loans to Capital	2.16%
Non-Performing Loans to Loans	0.35%

Balance Sheet	Santa Maria Associated Employees Federal Credit Union Santa Maria, CA	Click to Compare	Click to Compare	Click to Compare
Total Assets	4.89M
Total Deposits	4.43M

Capital and Reserves	Santa Maria Associated Employees Federal Credit Union Santa Maria, CA	Click to Compare	Click to Compare	Click to Compare
Capital	459.00K
Leverage Ratio	9.39
Loan Loss Reserves to Loans	0.73%

Liquidity	Santa Maria Associated Employees Federal Credit Union Santa Maria, CA	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	0.00%
Liquidity Ratio	29.76%

Profitability	Santa Maria Associated Employees Federal Credit Union Santa Maria, CA	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	0.41%
Net Income	22.00K
Net Interest Spread	6.48%
Operating Profit to Average Assets	0.89%
Overhead Efficiency Ratio	95.08%
Return on Assets	0.89%
Return on Equity	9.91%