Santa Barbara County Federal Credit Union is a federal credit union headquartered in Santa Barbara, California, in business for about 76 years. At the end of Q2 2026 it reported $64.8M in total assets and $55.8M in member shares and deposits, with 1 office.
Santa Barbara County Federal Credit Union has a TellerScore of 92 out of 100 (very strong) based on Q2 2026 data — higher than 92% of its 2,479 credit unions with under $100 million in assets. Among 238 credit unions headquartered in California, it ranks 10th. Funding & liquidity contributes the most (100/100, 50% loans-to-deposits, 3% uninsured); earnings contributes the least (84/100, 1.61%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 5 points (87 → 92), mostly because the capital cushion component improved by 15 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 82 |
| Q3 2024 | 85 |
| Q4 2024 | 84 |
| Q1 2025 | 78 |
| Q2 2025 | 87 |
| Q3 2025 | 89 |
| Q4 2025 | 90 |
| Q1 2026 | 79 |
| Q2 2026 | 92 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 10.81% |
| Q3 2024 | 11.22% |
| Q4 2024 | 11.41% |
| Q1 2025 | 11.44% |
| Q2 2025 | 11.99% |
| Q3 2025 | 12.29% |
| Q4 2025 | 12.72% |
| Q1 2026 | 12.77% |
| Q2 2026 | 13.49% |
Show as table
| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.11% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.04% |
| Q1 2025 | 0.04% |
| Q2 2025 | 0.04% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.02% |
| Q1 2026 | 0.01% |
| Q2 2026 | 0.04% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.47% |
| Q3 2024 | 1.58% |
| Q4 2024 | 1.42% |
| Q1 2025 | 0.64% |
| Q2 2025 | 1.57% |
| Q3 2025 | 1.67% |
| Q4 2025 | 1.63% |
| Q1 2026 | 0.26% |
| Q2 2026 | 1.61% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 92 | $64.8M | 13.49% | 0.04% | 1.61% | 50.2% |
| Q1 2026 | 79 | $64.7M | 12.77% | 0.01% | 0.26% | 49.9% |
| Q4 2025 | 90 | $64.7M | 12.72% | 0.02% | 1.63% | 50.4% |
| Q3 2025 | 89 | $66.3M | 12.29% | 0.00% | 1.67% | 48.3% |
| Q2 2025 | 87 | $65.8M | 11.99% | 0.04% | 1.57% | 48.4% |
| Q1 2025 | 78 | $63.6M | 11.44% | 0.04% | 0.64% | 50.2% |
| Q4 2024 | 84 | $64.8M | 11.41% | 0.04% | 1.42% | 48.8% |
| Q3 2024 | 85 | $62.3M | 11.22% | 0.00% | 1.58% | 49.3% |
| Q2 2024 | 82 | $62.1M | 10.81% | 0.11% | 1.47% | 50.0% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in California
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Rolling F Credit UnionCredit union Turlock, CA | 75 out of 100, Strong | $63.9M | 12.0% | 0.80% | vs |
| Shell Western States Federal Credit UnionCredit union Martinez, CA | 64 out of 100, Moderate | $66.0M | 10.4% | 0.52% | vs |
| Bopti Federal Credit UnionCredit union San Pedro, CA | 76 out of 100, Strong | $63.3M | 24.8% | 1.52% | vs |
| Delta Schools Federal Credit UnionCredit union Antioch, CA | 81 out of 100, Strong | $66.5M | 10.7% | 0.00% | vs |
| Escondido Federal Credit UnionCredit union Escondido, CA | 89 out of 100, Very strong | $66.8M | 13.7% | 0.06% | vs |
| Parishioners Federal Credit UnionCredit union Torrance, CA | 44 out of 100, Below average | $69.9M | 8.8% | 2.25% | vs |
Deposit insurance
Is my money safe at Santa Barbara County Federal Credit Union?
Yes. Santa Barbara County Federal Credit Union is a federally insured credit union (NCUA charter #6711). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 3.3% of shares and deposits ($1.8M) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 13.49%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Santa Barbara County Federal Credit Union lists 1 office in 1 city. Most locations:
Identity & history
Profile
- Legal name
- Santa Barbara County Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 6711
- RSSD ID
- 751889
- Primary regulator
- NCUA
- Established
- 1950
- Headquarters
- 2623 De LA Vina St., Santa Barbara, CA 93105
- Employees
- 9
Quick answers
Santa Barbara County Federal Credit Union: common questions
Is Santa Barbara County Federal Credit Union NCUA insured?
Yes. Santa Barbara County Federal Credit Union is a federally insured credit union (NCUA charter #6711). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Santa Barbara County Federal Credit Union's TellerScore?
92 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Santa Barbara County Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Santa Barbara
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Santa Barbara Teachers Federal Credit UnionCredit union Santa Barbara, CA | 88 out of 100, Very strong | $308.5M | 13.8% | 0.01% | vs |
| Farmers and Merchants Bank of Long BeachBank Long Beach, CA | 80 out of 100, Strong | $11.8B | 14.0% | 0.01% | vs |
| Bank of the SierraBank Porterville, CA | 77 out of 100, Strong | $3.7B | 12.2% | 0.43% | vs |
| Citizens Business Bank, National AssociationBank Ontario, CA | 73 out of 100, Strong | $21.2B | 11.4% | 0.14% | vs |
| Montecito Bank & TrustBank Santa Barbara, CA | 69 out of 100, Moderate | $2.0B | 11.3% | 0.17% | vs |
| American Riviera BankBank Santa Barbara, CA | 67 out of 100, Moderate | $1.4B | 11.3% | 0.68% | vs |