Santa Rosa, California · Peer group 4
Sonoma Credit Union
Sonoma Credit Union holds $80.1M in assets across 1,791 members as of Q1 2026 — about $45K of assets per member, on a charter dating to 1961. Charter number 14415, in the $50M-$100M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $80.1M |
|---|---|
| Total loans | $55.1M |
| Total shares (deposits) | $69.5M |
| Net worth | $10.4M |
| Members | 1,791 |
| Assets per member | $45K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 2.8% | |
|---|---|---|
| Loans | 1.5% | around the 60th percentile of its peer group |
| Deposits | 1.4% | around the 46th percentile of its peer group |
| Members | 0.1% | around the 68th percentile 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 | 79.3% | around the 82nd percentile of its peer group |
|---|---|---|
| Net worth ratio | 13.0% | around the 52nd percentile of its peer group |
| Return on assets | 1.57% | around the 87th percentile of its peer group |
| Delinquency ratio | 0.78% | around the 60th percentile of its peer group |
| Cash / assets | 3.4% | lower than 97% of its peer group |
| Borrowings / assets | 0.0% | around the 47th percentile of its peer group |
What this page does not show
Everything above is Sonoma 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.
- California Community Credit Union
Sacramento, CA
$79.9M · 4,112 members
- Cal State L.A. Credit Union
LOS ANGELES, CA
$79.9M · 4,870 members
- Nikkei Credit Union
Gardena, CA
$80.6M · 3,779 members
- Bay Cities Credit Union
Hayward, CA
$78.8M · 6,669 members
- Postcity Financial Credit Union
Long Beach, CA
$78.2M · 4,593 members
- Valley Oak Credit Union
Three Rivers, CA
$82.3M · 5,977 members
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