BlastPoint's Credit Union Scorecard
SANTA MARIA ASSOCIATED EMPLOYEES
Charter #12508 · CA
SANTA MARIA ASSOCIATED EMPLOYEES has 2 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.24% above tier average
- + Member Growth Rate: Top 7.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.26% below tier average
- - Efficiency ratio 7.24% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,030
+3.9% YoY+0.1% QoQ
|
-1.6K |
2,615
-1.9% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
29% |
| Assets |
$4.8M
-2.7% YoY-1.5% QoQ
|
$-25.4M |
$30.1M
+2.1% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
18% |
| Loans |
$3.2M
-1.0% YoY-4.4% QoQ
|
$-12.6M |
$15.8M
-1.3% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
25% |
| Deposits |
$4.4M
-0.3% YoY+1.6% QoQ
|
$-21.3M |
$25.7M
+1.4% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
21% |
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| ROA |
0.4%
-66.8% YoY-47.7% QoQ
|
-0.3% |
0.6%
+10.8% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
33% |
| NIM |
5.2%
+3.6% YoY+1.9% QoQ
|
+1.2% |
4.0%
+4.0% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
Top 10.8% in tier |
| Efficiency Ratio |
89.8%
+13.3% YoY+9.0% QoQ
|
+7.2% |
82.6%
-2.3% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
75% |
| Delinquency Rate |
0.1%
-68.7% YoY-86.5% QoQ
|
-1.5 |
1.6%
-3.1% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
17% |
| Loan To Share |
71.2%
-0.7% YoY-5.9% QoQ
|
+10.6% |
60.6%
-3.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
66% |
| AMR |
$7,371
-4.4% YoY-1.1% QoQ
|
$-7K |
$14,783
-1.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
16% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.2% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)