SESLOC Credit Union Profile

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SESLOC

Charter #68741 | NCUA Region 3 | FISCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (805) 543-1816

Fax: (805) 546-9622

Founding Date: N/A

Website: https://www.sesloc.org

Personnel & Operations

President: Lebens, Tom

Manager: Quamma, Mike

FT Employees: 191

PT Employees: 3

Designations & Ratios

MDI Status: No

RBC Ratio: 15.68%

Membership Type: 99

Branches: 6

Hours: 9:00 - 6:00

Credit Union Profile Summary

SESLOC is a FISCU Credit Union. With a total of 55,249 members [1], this institution manages approximately $1,181,474,426 in total assets [1]. It proudly serves as a Low-Income Designated institution. 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 1.77% [1].

Financial Snapshot

Total Assets [1]
$1,181,474,426

Total economic resources.

Total Loans [1]
$866,858,564

Total value of outstanding loans.

Total Deposits [1]
$1,059,121,194

Total funds deposited by members.

Members [1]
55,249

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]
0.35%

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

Loan-to-Share Ratio [1]
81.85%

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

Four-Quarter Growth

Asset Growth (4Q) [1]
3.60%

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

Loan Growth (4Q) [1]
1.77%

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

Member Growth (4Q) [1]
-4.55%

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

Headquarters Location & Map

Headquarters Address

3855 BROAD ST

SAN LUIS OBISPO, CA, 93401

Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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