SANTA BARBARA TEACHERS
Charter #1909 | CA
100M-500M
(1077 CUs)
Micro
($0-$500M)
63 100M-500M in CA
SANTA BARBARA TEACHERS has 9 strengths but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 4.9% in tier
- + Wallet Share Momentum: Top 12.5% in tier
- + ROA 0.11% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Total Delinquency Rate (60+ days): Top 0.6% in tier
- + Net Charge-Off Rate: Top 0.8% in tier
- + Average Member Relationship (AMR): Top 8.9% in tier
- + Members Per Employee (MPE): Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 0.4% in tier
- - Liquidity Overhang: Bottom 6.9% in tier
- - Stagnation Risk: Bottom 7.2% in tier
- - Margin Compression: Bottom 9.3% in tier
- - Institutional Decline: Bottom 19.7% in tier
- - Membership Headwinds: Bottom 21.8% in tier
- - Loan-to-Share Ratio: Bottom 0.6% in tier
- - Fee Income Per Member: Bottom 0.8% in tier
- - First Mortgage Concentration (%): Bottom 1.9% in tier
- - Net Interest Margin (NIM): Bottom 4.2% in tier
- - Total Loans: Bottom 9.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,192
-1.7% YoY-0.3% QoQ
|
-6.4K |
15,628
-3.4% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
Bottom 24.0% in tier |
| Assets |
$302.7M
+6.9% YoY+2.1% QoQ
|
+$71.4M |
$231.3M
-0.0% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
73rd in tier |
| Loans |
$59.7M
-3.8% YoY-0.2% QoQ
|
$-88.1M |
$147.8M
-1.4% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 9.3% in tier |
| Deposits |
$261.5M
+6.5% YoY+1.9% QoQ
|
+$61.3M |
$200.3M
-0.0% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
74th in tier |
| ROA |
0.9%
-42.3% YoY-5.4% QoQ
|
+0.1% |
0.8%
+15.5% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
60th in tier |
| NIM |
2.3%
-19.2% YoY-0.9% QoQ
|
-1.3% |
3.6%
+6.9% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
Bottom 4.1% in tier |
| Efficiency Ratio |
62.0%
+33.1% YoY+3.2% QoQ
|
-15.2% |
77.3%
-3.0% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 10.9% in tier |
| Delinquency Rate |
0.0%
-51.9% YoY-34.7% QoQ
|
-0.8 |
0.9%
+7.6% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.6% in tier |
| Loan To Share |
22.8%
-9.7% YoY-2.0% QoQ
|
-49.9% |
72.7%
-1.5% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
Bottom 0.6% in tier |
| AMR |
$34,950
+6.2% YoY+1.8% QoQ
|
+$11K |
$24,363
+2.9% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
Top 9.0% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growth
#135 of 1006 • Top 4.9% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
6.25%
(Tier:
3.68%, National:
4.19%)
Share Draft per Member:
$3.7K
(Tier: $2.8K, National: $2.0K)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
New qualifier
Wallet Share Momentum
growth
#344 of 1006 • Top 12.5% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
6.25%
(Tier:
3.68%, National:
4.19%)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
New qualifier
Concerns (6)
Cost Spiral
risk
#2 of 62 • Bottom 0.4% in tier
Historically lean operator now seeing efficiency ratio rise significantly. Efficiency advantage eroding - early intervention critical.
Why This Signature
Efficiency Ratio Change:
15.44% points
(Tier:
-2.84% points, National:
-1.81% points)
Efficiency Ratio (Prior Year):
-
(Tier: -, National: -)
Total Assets:
$302.73M
(Tier: $231.30M, National: $547.69M)
62 of 1077 Community CUs have this signature
| 80 nationally
↓ Shrinking
-38 CUs YoY
|
New qualifier
Liquidity Overhang
risk
#108 of 552 • Bottom 6.9% in tier
Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
Why This Signature
Net Worth Ratio:
13.38%
(Tier:
11.95%, National:
14.51%)
Loan-to-Share Ratio:
22.83%
(Tier:
74.56%, National:
67.96%)
552 of 1077 Community CUs have this signature
| 691 nationally
↑ Growing
+65 CUs YoY
|
Rank worsening
Stagnation Risk
risk
#119 of 550 • Bottom 7.2% in tier
Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.
Why This Signature
Return on Assets:
0.90%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
-1.70%
(Tier:
0.88%, National:
9.37%)
Avg Member Relationship:
$35.0K
(Tier: $25.0K, National: $19.4K)
CD Concentration:
0.00%
(Tier:
24.41%, National:
19.60%)
550 of 1077 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
Rank worsening
Margin Compression
decline
#40 of 136 • Bottom 9.3% in tier
Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.
Why This Signature
Return on Assets:
0.90%
(Tier:
0.77%, National:
0.71%)
ROA Change (YoY):
-0.66% points
(Tier:
0.11% points, National:
0.05% points)
Total Assets:
$302.73M
(Tier: $231.30M, National: $547.69M)
136 of 1077 Community CUs have this signature
| 169 nationally
↓ Shrinking
-43 CUs YoY
|
New qualifier
Institutional Decline
decline
#156 of 256 • Bottom 19.7% in tier
Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Why This Signature
Total Assets:
$302.73M
(Tier: $231.30M, National: $547.69M)
Member Growth (YoY):
-1.70%
(Tier:
0.88%, National:
9.37%)
Loan Growth (YoY):
-3.79%
(Tier:
3.64%, National:
36.38%)
256 of 1077 Community CUs have this signature
| 293 nationally
↓ Shrinking
-43 CUs YoY
|
Rank improving
Membership Headwinds
decline
#360 of 550 • Bottom 21.8% in tier
Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Why This Signature
Member Growth (YoY):
-1.70%
(Tier:
0.88%, National:
9.37%)
550 of 1077 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
Rank worsening
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 (8 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 13.34%
#1 of 1077
Top 0.0% in 100M-500M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 23.61%
#1 of 1077
Top 0.0% in 100M-500M tier
8
Total Delinquency Rate (60+ days)
risk
Value:
0.01%
Peer Avg: 0.86%
#8 of 1077
Top 0.6% in 100M-500M tier
10
Net Charge-Off Rate
risk
Value:
-0.00%
Peer Avg: 0.47%
#10 of 1077
Top 0.8% in 100M-500M tier
97
Average Member Relationship (AMR)
engagement
Value:
$34,950
Peer Avg: $24,363
#97 of 1077
Top 8.9% in 100M-500M tier
105
Members Per Employee (MPE)
engagement
Value:
459.600
Peer Avg: 332.881
#105 of 1077
Top 9.7% in 100M-500M tier
118
Efficiency Ratio
profitability
Value:
62.05%
Peer Avg: 77.28%
#118 of 1077
Top 10.9% in 100M-500M tier
270
AMR Growth Rate
growth
Value:
6.25%
Peer Avg: 3.64%
#270 of 1077
Top 25.0% in 100M-500M tier
Top Weaknesses (8 metrics)
1071
Loan-to-Share Ratio
balance_sheet
Value:
22.83%
Peer Avg: 72.70%
#1071 of 1077
Bottom 0.6% in 100M-500M tier
1069
Fee Income Per Member
profitability
Value:
$22.10
Peer Avg: $174.31
#1069 of 1077
Bottom 0.8% in 100M-500M tier
1057
First Mortgage Concentration (%)
balance_sheet
Value:
70.03%
Peer Avg: 30.43%
#1057 of 1077
Bottom 1.9% in 100M-500M tier
1033
Net Interest Margin (NIM)
profitability
Value:
2.32%
Peer Avg: 3.58%
#1033 of 1077
Bottom 4.2% in 100M-500M tier
977
Total Loans
balance_sheet
Value:
$59.72M
Peer Avg: $147.80M
#977 of 1077
Bottom 9.4% in 100M-500M tier
892
Loan Growth Rate
growth
Value:
-3.79%
Peer Avg: 3.45%
#892 of 1077
Bottom 17.3% in 100M-500M tier
881
Loan-to-Member Ratio (LMR)
engagement
Value:
$6,497
Peer Avg: $10,245
#881 of 1077
Bottom 18.3% in 100M-500M tier
818
Total Members
engagement
Value:
9,192
Peer Avg: 15,628
#818 of 1077
Bottom 24.1% in 100M-500M tier