TellerScore

Headquartered in Santa Rosa, California, Sonoma Federal Credit Union is a federal credit union with $80.0M in total assets and $69.0M in member shares and deposits as of Q2 2026. It operates 2 offices across 2 states. Its charter dates back to 1961.

Sonoma Federal Credit Union has a TellerScore of 83 out of 100 (strong) based on Q2 2026 data — higher than 72% of its 2,479 credit unions with under $100 million in assets. Among 238 credit unions headquartered in California, it ranks 40th. Problem-loan coverage contributes the most (92/100, 4.0%); funding & liquidity contributes the least (77/100, 82% loans-to-deposits, 16% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion85/100
Net worth ratio: 13.50%
Loan quality79/100
Loans 60+ days delinquent ÷ total loans: 0.63%
Earnings87/100
Return on assets (annualized): 1.67%
Funding & liquidity77/100
Loans ÷ shares: 82.2% · 16.1% uninsured
Problem-loan coverage92/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.03%

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 3 points (80 → 83), mostly because the capital cushion component improved by 18 points.

TellerScore
768083Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202476
Q3 202477
Q4 202481
Q1 202577
Q2 202580
Q3 202577
Q4 202578
Q1 202680
Q2 202683
Net worth ratio
7.00%10.25%13.50%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202412.26%
Q3 202411.90%
Q4 202411.75%
Q1 202511.78%
Q2 202511.67%
Q3 202512.03%
Q4 202512.57%
Q1 202613.03%
Q2 202613.50%
Delinquent loans (60+ days)
0.23%0.55%0.87%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.79%
Q3 20240.60%
Q4 20240.23%
Q1 20250.60%
Q2 20250.35%
Q3 20250.68%
Q4 20250.87%
Q1 20260.78%
Q2 20260.63%
Return on assets
1.36%1.51%1.67%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.41%
Q3 20241.36%
Q4 20241.38%
Q1 20251.38%
Q2 20251.38%
Q3 20251.43%
Q4 20251.51%
Q1 20261.57%
Q2 20261.67%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202683$80.0M13.50%0.63%1.67%82.2%
Q1 202680$80.1M13.03%0.78%1.57%79.3%
Q4 202578$80.6M12.57%0.87%1.51%77.2%
Q3 202577$81.2M12.03%0.68%1.43%77.3%
Q2 202580$81.1M11.67%0.35%1.38%72.2%
Q1 202577$77.9M11.78%0.60%1.38%79.2%
Q4 202481$75.8M11.75%0.23%1.38%77.5%
Q3 202477$72.2M11.90%0.60%1.36%80.3%
Q2 202476$68.0M12.26%0.79%1.41%84.7%

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 ratio13.50%
43rd
Problem loans0.63%
53rd
Net charge-offs0.00%
77th
Return on assets1.67%
89th
Loans to deposits82.2%
17th
Uninsured deposits16.1%
2nd
Loan-loss reserves0.00%
37th
Texas ratio4.0%
35th

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
Cal State L.A. Federal Credit UnionCredit union Los Angeles, CA61 out of 100, Moderate$80.2M9.0%0.53%vs
Postcity Financial Credit UnionCredit union Long Beach, CA78 out of 100, Strong$78.8M12.4%0.27%vs
Nikkei Credit UnionCredit union Gardena, CA53 out of 100, Below average$81.5M14.2%2.69%vs
Valley Oak Credit UnionCredit union Three Rivers, CA49 out of 100, Below average$82.2M6.8%0.71%vs
Bay Cities Credit UnionCredit union Hayward, CA77 out of 100, Strong$77.6M12.7%0.86%vs
California Community Credit UnionCredit union Sacramento, CA79 out of 100, Strong$82.5M12.2%0.07%vs

Deposit insurance

Is my money safe at Sonoma Federal Credit Union?

Yes. Sonoma Federal Credit Union is a federally insured credit union (NCUA charter #14415). 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 16.1% of shares and deposits ($11.1M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 13.50%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Sonoma Federal Credit Union lists 2 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Sonoma Federal Credit Union reported 640 home-loan applications under HMDA (LEI 254900X35MRL59HP3350): 155 originated ($26,575,000 total), 271 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 42.3%, 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
Sonoma Federal Credit Union
Type
Federal credit union
NCUA charter #
14415
RSSD ID
420886
Primary regulator
NCUA
Established
1961
Headquarters
917 College Ave, Santa Rosa, CA 95404
Employees
11

Quick answers

Sonoma Federal Credit Union: common questions

Is Sonoma Federal Credit Union NCUA insured?

Yes. Sonoma Federal Credit Union is a federally insured credit union (NCUA charter #14415). 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 Sonoma Federal Credit Union's TellerScore?

83 out of 100 (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 Sonoma Federal Credit Union have?

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

Nearby

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

InstitutionScoreAssetsCapitalProblem loansCompare
Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA92 out of 100, Very strong$1.7B15.5%0.60%vs
Sea West Coast Guard Federal Credit UnionCredit union Oakland, CA83 out of 100, Strong$377.9M20.2%0.01%vs
Farmers & Merchants Bank of Central CaliforniaBank Lodi, CA79 out of 100, Strong$5.8B11.7%0.13%vs
Redwood Credit UnionCredit union Santa Rosa, CA78 out of 100, Strong$10.7B13.3%0.72%vs
Westamerica BankBank San Rafael, CA78 out of 100, Strong$5.8B10.3%0.12%vs
Exchange BankBank Santa Rosa, CA77 out of 100, Strong$3.2B12.6%0.55%vs