SONOMA
Charter #14415 | CA
<100M
(2596 CUs)
Micro
($0-$500M)
92 <100M in CA
SONOMA has 11 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.75% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Average Member Relationship (AMR): Top 0.1% in tier
- + Loan-to-Member Ratio (LMR): Top 0.2% in tier
- + Fee Income Per Member: Top 2.0% in tier
- + Total Loans: Top 3.3% in tier
- + Asset Growth Rate: Top 5.1% in tier
- + Deposit Growth Rate: Top 5.7% in tier
- + Total Deposits: Top 6.2% in tier
- + Total Assets: Top 7.1% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Members Per Employee (MPE): Bottom 9.1% in tier
- - Share Certificate Concentration (%): Bottom 9.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,811
+1.5% YoY-0.1% QoQ
|
-814 |
2,625
-2.2% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
47th in tier |
| Assets |
$81.2M
+12.4% YoY+0.1% QoQ
|
+$51.4M |
$29.9M
+1.1% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
Top 7.2% in tier |
| Loans |
$55.1M
+8.1% YoY+6.8% QoQ
|
+$39.3M |
$15.8M
-2.4% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Top 3.3% in tier |
| Deposits |
$71.2M
+12.3% YoY-0.3% QoQ
|
+$45.8M |
$25.5M
+0.4% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
Top 6.2% in tier |
| ROA |
1.4%
+2.3% YoY+1.5% QoQ
|
+0.7% |
0.7%
-731.4% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
Top 21.8% in tier |
| NIM |
3.0%
+5.7% YoY+0.4% QoQ
|
-1.0% |
3.9%
+3.8% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
Bottom 16.7% in tier |
| Efficiency Ratio |
60.6%
-2.9% YoY-1.0% QoQ
|
-20.8% |
81.4%
-2.4% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 14.9% in tier |
| Delinquency Rate |
0.7%
+13.4% YoY+95.2% QoQ
|
-0.8 |
1.5%
-2.0% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
50th in tier |
| Loan To Share |
77.3%
-3.7% YoY+7.1% QoQ
|
+16.1% |
61.2%
-3.0% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
74th in tier |
| AMR |
$69,758
+8.8% YoY+2.7% QoQ
|
+$55K |
$14,627
-2.7% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
Top 0.1% in tier |
| CD Concentration |
37.3%
-13.1% YoY-2.6% QoQ
|
+12.9% |
24.4%
+4.2% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % |
0.0%
-100.0% YoY-100.0% QoQ
|
-14.0% |
14.0%
-5.8% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (15 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
3
Average Member Relationship (AMR)
engagement
Value:
$69,758
Peer Avg: $14,627
#3 of 2596
Top 0.1% in <100M tier
5
Loan-to-Member Ratio (LMR)
engagement
Value:
$30,420
Peer Avg: $5,488
#5 of 2596
Top 0.2% in <100M tier
53
Fee Income Per Member
profitability
Value:
$312.26
Peer Avg: $182.96
#53 of 2596
Top 2.0% in <100M tier
86
Total Loans
balance_sheet
Value:
$55.09M
Peer Avg: $15.77M
#86 of 2596
Top 3.3% in <100M tier
133
Asset Growth Rate
growth
Value:
12.45%
Peer Avg: 1.82%
#133 of 2596
Top 5.1% in <100M tier
150
Deposit Growth Rate
growth
Value:
12.29%
Peer Avg: 16.80%
#150 of 2596
Top 5.7% in <100M tier
162
Total Deposits
balance_sheet
Value:
$71.24M
Peer Avg: $25.45M
#162 of 2596
Top 6.2% in <100M tier
186
Total Assets
balance_sheet
Value:
$81.24M
Peer Avg: $29.86M
#186 of 2596
Top 7.1% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
Top Weaknesses (4 metrics)
2361
Members Per Employee (MPE)
engagement
Value:
139.308
Peer Avg: 365.701
#2361 of 2596
Bottom 9.1% in <100M tier
2348
Share Certificate Concentration (%)
balance_sheet
Value:
37.28%
Peer Avg: 15.37%
#2348 of 2596
Bottom 9.6% in <100M tier
2163
Net Interest Margin (NIM)
profitability
Value:
2.96%
Peer Avg: 3.93%
#2163 of 2596
Bottom 16.7% in <100M tier
2081
First Mortgage Concentration (%)
balance_sheet
Value:
30.40%
Peer Avg: 14.49%
#2081 of 2596
Bottom 19.9% in <100M tier