TellerScore

Headquartered in Santa Maria, California, Santa Maria Associated Employees Federal Credit Union is a federal credit union with $4.8M in total assets and $4.3M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1958.

Based on its Q2 2026 filing, Santa Maria Associated Employees Federal Credit Union scores 67/100, which we describe as moderate. That is higher than only 34% of 2,479 credit unions with under $100 million in assets. Among 238 credit unions headquartered in California, it ranks 138th. Its strongest component is problem-loan coverage (97/100; 1.3%), and its lowest is earnings (33/100; 0.31%).

TellerScore · Q2 2026

Scorecard

Capital cushion46/100
Net worth ratio: 9.62%
Loan quality93/100
Loans 60+ days delinquent ÷ total loans: 0.21%
Earnings33/100
Return on assets (annualized): 0.31%
Funding & liquidity88/100
Loans ÷ shares: 72.3% · 0.0% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.34%

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 (68 → 67).

TellerScore
667074Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202474
Q4 202471
Q1 202566
Q2 202568
Q3 202566
Q4 202568
Q1 202666
Q2 202667
Net worth ratio
7.00%8.31%9.62%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20247.96%
Q3 20248.68%
Q4 20248.88%
Q1 20258.85%
Q2 20259.38%
Q3 20259.44%
Q4 20259.49%
Q1 20269.22%
Q2 20269.62%
Delinquent loans (60+ days)
0.00%0.32%0.63%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.00%
Q4 20240.22%
Q1 20250.33%
Q2 20250.63%
Q3 20250.51%
Q4 20250.07%
Q1 20260.06%
Q2 20260.21%
Return on assets
0.22%0.84%1.47%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.47%
Q3 20241.45%
Q4 20241.10%
Q1 20250.53%
Q2 20251.02%
Q3 20250.69%
Q4 20250.36%
Q1 20260.22%
Q2 20260.31%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$4.8M9.62%0.21%0.31%72.3%
Q1 202666$4.9M9.22%0.06%0.22%72.5%
Q4 202568$4.8M9.49%0.07%0.36%71.2%
Q3 202566$4.8M9.44%0.51%0.69%75.6%
Q2 202568$4.9M9.38%0.63%1.02%70.7%
Q1 202566$5.0M8.85%0.33%0.53%63.5%
Q4 202471$4.9M8.88%0.22%1.10%71.7%
Q3 202474$5.0M8.68%0.00%1.45%75.7%
Q2 202473$5.3M7.96%0.00%1.47%72.3%

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).

Capital ratio9.62%
14th
Problem loans0.21%
73rd
Net charge-offs0.00%
77th
Return on assets0.31%
32nd
Loans to deposits72.3%
30th
Uninsured deposits0.0%
81st
Loan-loss reserves0.91%
82nd
Texas ratio1.3%
61st

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
Valley Agricultural Federal Credit UnionCredit union Santa Paula, CA57 out of 100, Moderate$4.6M11.6%2.01%vs
Sunkist Employees Federal Credit UnionCredit union Valencia, CA100 out of 100, Very strong$3.8M33.6%0.00%vs
Denocos Federal Credit UnionCredit union Crescent City, CA68 out of 100, Moderate$6.2M15.3%2.01%vs
U.S.B. Employees Federal Credit UnionCredit union Wilmington, CA96 out of 100, Very strong$3.2M20.2%0.00%vs
Chula Vista City Employees Federal Credit UnionCredit union Chula Vista, CA71 out of 100, Strong$3.1M8.3%0.64%vs
Columbus Club Federal Credit UnionCredit union San Fernando, CA80 out of 100, Strong$3.1M26.6%0.00%vs

Deposit insurance

Is my money safe at Santa Maria Associated Employees Federal Credit Union?

Yes. Santa Maria Associated Employees Federal Credit Union is a federally insured credit union (NCUA charter #12508). 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 0.0% of shares and deposits ($0) 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 9.62%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Santa Maria Associated Employees Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Santa Maria Associated Employees Federal Credit Union
Type
Federal credit union
NCUA charter #
12508
RSSD ID
557380
Primary regulator
NCUA
Established
1958
Headquarters
314 W Cook St Rm 1, Santa Maria, CA 93458
Employees
2

Quick answers

Santa Maria Associated Employees Federal Credit Union: common questions

Is Santa Maria Associated Employees Federal Credit Union NCUA insured?

Yes. Santa Maria Associated Employees Federal Credit Union is a federally insured credit union (NCUA charter #12508). 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 Maria Associated Employees Federal Credit Union's TellerScore?

67 out of 100 (Moderate), 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 Maria Associated Employees Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

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

InstitutionScoreAssetsCapitalProblem loansCompare
Santa Barbara Teachers Federal Credit UnionCredit union Santa Barbara, CA88 out of 100, Very strong$308.5M13.8%0.01%vs
Murphy BankBank Fresno, CA88 out of 100, Very strong$357.2M14.9%0.39%vs
Bank of the SierraBank Porterville, CA77 out of 100, Strong$3.7B12.2%0.43%vs
Slo Credit UnionCredit union San Luis Obispo, CA77 out of 100, Strong$29.1M14.5%0.20%vs
Community Bank of Santa MariaBank Santa Maria, CA72 out of 100, Strong$396.5M10.5%0.15%vs
Montecito Bank & TrustBank Santa Barbara, CA69 out of 100, Moderate$2.0B11.3%0.17%vs