SANTA MARIA ASSOCIATED EMPLOYEES Credit Union Profile

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SANTA MARIA ASSOCIATED EMPLOYEES

Charter #12508 | NCUA Region 3 | FCU
Low-Income Designation: No
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (805) 925-0951

Fax: (805) 925-6818

Founding Date: N/A

Website: HTTPS://WWW.SMCREDITUNION.ORG

Personnel & Operations

President: WELLS, SETH

Manager: MATHESON, MELLISSA

FT Employees: 2

PT Employees: 0

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 36

Branches: 1

Hours: 10:00 a.m. to 4:00 p.m. Monday through Frid

Credit Union Profile Summary

SANTA MARIA ASSOCIATED EMPLOYEES is a FCU Credit Union. With a total of 1,009 members [1], this institution manages approximately $4,890,146 in total assets [1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 9.38% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -10.65% [1].

Financial Snapshot

Total Assets [1]
$4,890,146

Total economic resources.

Total Loans [1]
$3,130,519

Total value of outstanding loans.

Total Deposits [1]
$4,430,230

Total funds deposited by members.

Members [1]
1,009

Number of active members.

Performance Ratios

Net Worth Ratio [1]
9.38%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
1.02%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
70.66%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↓ -7.09%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↓ -10.65%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↑ 4.24%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

314 W Cook St Rm 1

Santa Maria, CA, 93458-5557
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 1 branches reported by SANTA MARIA ASSOCIATED EMPLOYEES (Charter #12508).

Main Office

Santa Maria Main Office

Type: Corporate Office

314 W Cook St Rm 1

Santa Maria, CA 93458-5557

Phone: (805) 925-0951

Services: Member Services

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