# SANTA BARBARA TEACHERS
Santa Barbara, CA · NCUA charter 1909 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/santa-barbara-teachers-1909

Who the members are: federal charter, multiple common bond, organized 1937. 9,188 members of 20,000 potential (45.9% of the field); checking penetration 46% (share draft accounts per 100 members); loans per 100 members 20.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $309.6M |
| Members | 9,188 (-1.7% YoY) |
| Full-time staff | 21 |
| Net worth | $42.0M |
| Net worth ratio | 13.6% (p78 of band) |
| ROA (annualized) | 0.94% (p68 of band) |
| Total delinquency | 0.01% (p0 of band) |
| Net charge-offs (annualized) | 0.04% (p7 of band) |
| Loans / shares | 22% (p0 of band) |
| Cash / assets | 29.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.33% (p3 of band) |
| Operating expense / assets | 1.46% (p1 of band) |
| Vehicles % of loans | 12% (p10 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p9 of band) |
| Vehicle delinquency | 0.00% (p2 of band) |
| Vehicle NCO | 0.00% (p4 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 83% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 96% |
| Certificates % of member funds | 0% |
| Average share balance | $20,644 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 20% |
| Loans granted per 100 members, annualized | 2% |
| Average loan balance | $32,566 |
| Loans granted, annualized | $8.6M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | net worth falling |  |
| 2017-03 | 2 | members leaving |  |
| 2017-06 | 0 |  | net worth falling, members leaving |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | delinquency rising |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 0 |  | delinquency rising |
| 2018-09 | 1 | delinquency rising |  |
| 2018-12 | 0 |  | delinquency rising |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | delinquency rising |  |
| 2020-03 | 2 | net worth falling, margin squeeze | delinquency rising |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 3 | delinquency rising |  |
| 2021-03 | 3 | losing money | delinquency rising |
| 2021-06 | 3 | loan book shrinking | margin squeeze |
| 2021-09 | 4 | delinquency rising |  |
| 2021-12 | 3 |  | delinquency rising |
| 2022-03 | 3 | delinquency rising | loan book shrinking |
| 2022-06 | 3 |  |  |
| 2022-09 | 0 |  | net worth falling, losing money, delinquency rising |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 1 | assets shrinking |  |
| 2023-09 | 2 | delinquency rising |  |
| 2023-12 | 1 |  | assets shrinking |
| 2024-03 | 0 |  | delinquency rising |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | delinquency rising |  |
| 2025-06 | 2 | net worth falling, margin squeeze | delinquency rising |
| 2025-09 | 2 |  |  |
| 2025-12 | 0 |  | net worth falling, margin squeeze |
| 2026-03 | 1 | delinquency rising |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-22 [At SBCEO’s Annual Education Celebration, Educators and Innovative Teaching Practices get the Spotlight - The Santa Barbara Independent](https://news.google.com/rss/articles/CBMi1wFBVV95cUxQYWE4c0xybWljRWdwenlXR3l3dDRiTDFzR2J0SnVGaUkzN29xb0xKd1c2ZDhxdmoyWG10R0JVbWpVSU9JdzEwcm5JWWVMMHhYZmlkNnNBcGM0OTZvS1Qtbk5za3ZLZnc2djB3Z0VjVWpRRldQSGJYdjZ4R0lRZ1FCV2pDSE5vWG9CZ0ZQVXltLWthYTRNdTRsSDhxRjc1ZmRLTHMxX19YWVdtSGEyQ3FyYjNTZ0pEN3NHZUZvRHdaNFBJRG5DcXFUWWp3UHBuYndPXzF0QUpobw?oc=5) · The Santa Barbara Independent
- 2023-05-14 [Santa Barbara County teachers honored at 'Education Celebration' - santamariatimes.com](https://news.google.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?oc=5) · santamariatimes.com
- 2025-05-23 [SBCEO’s Annual Education Celebration Recognizes Exceptional Educators from across Santa Barbara County - The Santa Barbara Independent](https://news.google.com/rss/articles/CBMi2AFBVV95cUxOWDNTcVBCZmlINkhfNFZvblJGckZTN0tCNHdYWlRsWnRvVTRBaTJ2dTF6R3ViTEJ3REpjM3FvY0NDUEoxU3NUWElOekNHMmFqY3R0c0gwQ2g0M0FRSDcybktxRzRwTWFIZWQydGxsVGphU2VDNXVpQnNEa2k2eEV1dkQtZlhfX09FUzFjdlFvZ2hGUjFyN3c2OWYtZllZM3c3Ry0wWXRwWnNIY3hCREhOcXdPZ3J2QnFMNWstMTlOQzBaZ0gzdGcwcEg1TnltNTBlTjhmNnFSMmo?oc=5) · The Santa Barbara Independent
- 2023-05-16 [Extraordinary Educators from Across County Receive Awards and Grants at Santa Barbara County Education Office’s Annual Education Celebration Event - The Santa Barbara Independent](https://news.google.com/rss/articles/CBMikwJBVV95cUxOMEdhaVNabGtWMEVEYmMzRVFDN3VXSUhNZmJQWXlxUWdzd1ZBNnQ1bC1RYlhuOFJPWGpCRXFhRGRmZjh3ZUZDQ054bDhpdDdickphSlhrUXRtNGVIOGdtY2tpQzRWYVpISEx3LWR5V090NzdGS090cnVhTWo3LUptV1FVMnR3WWdzb3ZPcEgxRktQcWwtT0s2X3FzSkRsRHc5UzlzcTdmd1c3ZVUwdFZLYWpBM0ZHQXIxVGJJY1dNX3hWdHRtUlZaX3E5SXBrYlZYVkdTX0hTTEpHeVdyRldlV3VHanQ1OGd6ZUszeHRyR2JtZS0tNU9tVDNnM2JxLVRvZ3hLSFBfYW1zOUpBSVlid2l6UQ?oc=5) · The Santa Barbara Independent
- 2024-05-24 [Outstanding Educators Honored at Santa Barbara County Education Office’s Education Celebration Event - The Santa Barbara Independent](https://news.google.com/rss/articles/CBMi1gFBVV95cUxQT2NOLUVMS20ySTd4YkZ6ei0wMjBMY1FJT0ZEX0FGVVVDVmR5UEhsU1R2LUVjUFFRR2h1MkVOdXl3dU1ianNpbXVzci0ycE1Eb1VhWE5wVFNadFN1QUZkcG5CVjZraG03SnVDWFY3aDNMb0lxaF9RUkNyQUNYSnR3SUJUWFdOT1JWYzF3ZTBPOEdtb0J2aF9WMTlDdlhRTXVMUUo1aFRBREEzcTRKNDg0UnNEUDFLb05fajZsaHNfaEZ5THZfV0FEUE5LNUVUUTk4SWR6Ulh3?oc=5) · The Santa Barbara Independent
- 2016-01-06 [Suspect Robs S.B. Teachers Federal Credit Union - The Santa Barbara Independent](https://news.google.com/rss/articles/CBMijwFBVV95cUxPUEpxaFRYWXQyQU1KNk8wZ0xaVHpHQmlJSlN2NEh3cHhUOVNydkZVeTlqQUl1NmtMaHU0Ym0zclBHVUlNVThEc2JJb2dfQjdnYXZucEpyVERNYWh6LXcwVkMwU1YxdXR0aUJRMnU0U3NyUUpEbzRSNGkzV29CcEtFNFZ2bDZFQVZRZHNJR254QQ?oc=5) · The Santa Barbara Independent
- 2020-08-31 [Cornish, Barbara Joan (Pliha) - The Santa Barbara Independent](https://news.google.com/rss/articles/CBMifEFVX3lxTE53SXlNNjVmeUV6cEZUTVo2RFlKS0lxYUpMZkR5YVp4NkpSTUpWLWpsem9PeDI1RnhORTY4NlJYT1lfNkpUNVhHTVRKTTR6V2p5Z29iWjUyQVpjU2VPbWN4LWFUM0s3NXZ4QllCYUgyc0lma1F3eUt0anBhR3g?oc=5) · The Santa Barbara Independent
- 2016-01-15 [Detectives Arrest Bank Robbery Suspect - The Santa Barbara Independent](https://news.google.com/rss/articles/CBMihAFBVV95cUxPS2ZfdDNDMWp2RXF2a1JGelpEbWRhd212MFdnRUtmYV9COHJiR19SM1A3TEluZjV4OWFPSURKaGY2WjZKX0lZVEs5X2lTRGIzY2xBTW1qMzVQS09HVERKR2IwWjA2bjlQNTlUYi0zc05yNFhJRTFCRjdUR19mZjlfdlRfYkw?oc=5) · The Santa Barbara Independent

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=1909 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/53.json (key "1909", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=1909
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide