Santa Maria, California · Peer group 2
Santa Maria Associated Employees Credit Union
Santa Maria Associated Employees Credit Union holds $4.9M in assets across 1,034 members as of Q1 2026 — about $5K of assets per member, on a charter dating to 1958. Charter number 12508, in the <$10M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $4.9M |
|---|---|
| Total loans | $3.2M |
| Total shares (deposits) | $4.5M |
| Net worth | $454K |
| Members | 1,034 |
| Assets per member | $5K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -1.1% | |
|---|---|---|
| Loans | 12.4% | higher than 93% of its peer group |
| Deposits | -1.5% | around the 51st percentile of its peer group |
| Members | 4.3% | higher than 92% of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 72.5% | around the 64th percentile of its peer group |
|---|---|---|
| Net worth ratio | 9.2% | lower than 91% of its peer group |
| Return on assets | 0.22% | around the 41st percentile of its peer group |
| Delinquency ratio | 0.06% | around the 26th percentile of its peer group |
| Cash / assets | 20.1% | around the 64th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Santa Maria Associated Employees Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within California — the comparison set a peer ratio is measured against.
- Valley Agricultural Credit Union
SANTA PAULA, CA
$4.8M · 557 members
- Sunkist Employees Credit Union
Valencia, CA
$4.0M · 506 members
- Denocos Credit Union
CRESCENT CITY, CA
$6.3M · 758 members
- Episcopal Community Credit Union
Los Angeles, CA
$6.6M · 985 members
- U.S.B. Employees Credit Union
Wilmington, CA
$3.2M · 303 members
- Chula Vista City Employees Credit Union
Chula Vista, CA
$3.2M · 498 members
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