TellerScore

Santa Barbara Teachers Federal Credit Union is a federal credit union headquartered in Santa Barbara, California, in business for about 89 years. At the end of Q2 2026 it reported $308.5M in total assets and $264.3M in member shares and deposits, with 5 offices across 2 states.

Santa Barbara Teachers Federal Credit Union has a TellerScore of 88 out of 100 (very strong) based on Q2 2026 data — higher than 92% of its 1,341 credit unions with $100 million – $1 billion. Among 238 credit unions headquartered in California, it ranks 19th. Loan quality contributes the most (100/100, 0.01%); earnings contributes the least (56/100, 0.91%).

TellerScore · Q2 2026

Scorecard

Capital cushion88/100
Net worth ratio: 13.82%
Loan quality100/100
Loans 60+ days delinquent ÷ total loans: 0.01%
Earnings56/100
Return on assets (annualized): 0.91%
Funding & liquidity100/100
Loans ÷ shares: 21.9% · 5.2% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.02%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (87 → 88).

TellerScore
868991Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202490
Q3 202491
Q4 202491
Q1 202587
Q2 202587
Q3 202586
Q4 202587
Q1 202687
Q2 202688
Net worth ratio
7.00%10.41%13.82%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.88%
Q3 202413.32%
Q4 202413.63%
Q1 202513.47%
Q2 202513.45%
Q3 202513.38%
Q4 202513.50%
Q1 202613.56%
Q2 202613.82%
Delinquent loans (60+ days)
0.00%0.02%0.03%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.03%
Q3 20240.02%
Q4 20240.02%
Q1 20250.00%
Q2 20250.02%
Q3 20250.01%
Q4 20250.01%
Q1 20260.01%
Q2 20260.01%
Return on assets
0.89%1.23%1.56%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.51%
Q3 20241.56%
Q4 20241.44%
Q1 20250.89%
Q2 20250.94%
Q3 20250.89%
Q4 20250.90%
Q1 20260.94%
Q2 20260.91%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202688$308.5M13.82%0.01%0.91%21.9%
Q1 202687$309.6M13.56%0.01%0.94%22.0%
Q4 202587$305.4M13.50%0.01%0.90%22.5%
Q3 202586$302.7M13.38%0.01%0.89%22.8%
Q2 202587$296.5M13.45%0.02%0.94%23.3%
Q1 202587$290.5M13.47%0.00%0.89%24.2%
Q4 202491$282.4M13.63%0.02%1.44%25.3%
Q3 202491$283.3M13.32%0.02%1.56%25.3%
Q2 202490$284.0M12.88%0.03%1.51%25.3%

1,341 peers · $100 million – $1 billion

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).

Capital ratio13.82%
77th
Problem loans0.01%
99th
Net charge-offs0.00%
97th
Return on assets0.91%
61st
Loans to deposits21.9%
99th
Uninsured deposits5.2%
58th
Loan-loss reserves0.00%
50th
Texas ratio0.0%
100th

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
Ume Federal Credit UnionCredit union Burbank, CA74 out of 100, Strong$327.9M9.9%0.54%vs
Downey Federal Credit UnionCredit union Downey, CA59 out of 100, Moderate$327.9M8.8%0.52%vs
Families and Schools Together Federal Credit UnionCredit union Hanford, CA92 out of 100, Very strong$329.6M20.0%0.37%vs
Tucoemas Federal Credit UnionCredit union Visalia, CA74 out of 100, Strong$332.0M10.3%1.25%vs
Heritage Community Credit UnionCredit union Rancho Cordova, CA58 out of 100, Moderate$283.4M9.8%0.75%vs
Sag-Aftra Federal Credit UnionCredit union Burbank, CA81 out of 100, Strong$335.6M13.1%0.63%vs

Deposit insurance

Is my money safe at Santa Barbara Teachers Federal Credit Union?

Yes. Santa Barbara Teachers Federal Credit Union is a federally insured credit union (NCUA charter #1909). 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 5.2% of shares and deposits ($13.6M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 13.82%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

Santa Barbara Teachers Federal Credit Union lists 5 offices in 4 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Santa Barbara Teachers Federal Credit Union reported 34 home-loan applications under HMDA (LEI 2549009PZCHF8GGHET49): 29 originated ($4,475,000 total), 2 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Santa Barbara Teachers Federal Credit Union
Type
Federal credit union
NCUA charter #
1909
RSSD ID
192679
Primary regulator
NCUA
Established
1937
Headquarters
3970 La Colina Rd, Santa Barbara, CA 93110
Employees
21

Quick answers

Santa Barbara Teachers Federal Credit Union: common questions

Is Santa Barbara Teachers Federal Credit Union NCUA insured?

Yes. Santa Barbara Teachers Federal Credit Union is a federally insured credit union (NCUA charter #1909). 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 Teachers Federal Credit Union's TellerScore?

88 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 Teachers Federal Credit Union have?

5 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Santa Barbara

InstitutionScoreAssetsCapitalProblem loansCompare
Santa Barbara County Federal Credit UnionCredit union Santa Barbara, CA92 out of 100, Very strong$64.8M13.5%0.04%vs
Farmers and Merchants Bank of Long BeachBank Long Beach, CA80 out of 100, Strong$11.8B14.0%0.01%vs
Bank of the SierraBank Porterville, CA77 out of 100, Strong$3.7B12.2%0.43%vs
Citizens Business Bank, National AssociationBank Ontario, CA73 out of 100, Strong$21.2B11.4%0.14%vs
Montecito Bank & TrustBank Santa Barbara, CA69 out of 100, Moderate$2.0B11.3%0.17%vs
American Riviera BankBank Santa Barbara, CA67 out of 100, Moderate$1.4B11.3%0.68%vs