# SANTA BARBARA COUNTY
SANTA BARBARA, CA · NCUA charter 6711 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/santa-barbara-county-6711

Who the members are: federal charter, multiple common bond, organized 1950. 3,981 members of 10,000 potential (39.8% of the field); checking penetration 42% (share draft accounts per 100 members); loans per 100 members 27.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $64.7M |
| Members | 3,981 (-0.1% YoY) |
| Full-time staff | 7 |
| Net worth | $8.3M |
| Net worth ratio | 12.8% (p50 of band) |
| ROA (annualized) | 0.26% (p26 of band) |
| Total delinquency | 0.01% (p2 of band) |
| Net charge-offs (annualized) | 0.05% (p25 of band) |
| Loans / shares | 50% (p30 of band) |
| Cash / assets | 26.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.26% (p28 of band) |
| Operating expense / assets | 2.73% (p23 of band) |
| Vehicles % of loans | 21% (p16 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 20% |
| Third-party paper % of net worth | 14% (p66 of band) |
| Vehicle delinquency | 0.00% (p5 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 72% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 78% |
| Certificates % of member funds | 0% |
| Average share balance | $8,645 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $463,673 |
| Loans outstanding per 100 members | 27% |
| Loans granted per 100 members, annualized | 22% |
| Average loan balance | $26,225 |
| Loans granted, annualized | $6.8M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $463,673 outstanding purchased (5.6% of net worth), $974,054 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 0.4% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | net worth falling |  |
| 2017-03 | 3 | members leaving |  |
| 2017-06 | 1 |  | net worth falling, members leaving |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | loan book shrinking |  |
| 2018-06 | 3 | net worth falling |  |
| 2018-09 | 2 |  | net worth falling |
| 2018-12 | 1 |  | loan book shrinking |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | delinquency rising |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 1 |  | delinquency rising |
| 2020-06 | 3 | delinquency rising, 3rd-party paper>100% NW |  |
| 2020-09 | 3 | margin squeeze | delinquency rising |
| 2020-12 | 2 |  | margin squeeze |
| 2021-03 | 3 | net worth falling |  |
| 2021-06 | 4 | delinquency rising |  |
| 2021-09 | 2 |  | net worth falling, delinquency rising |
| 2021-12 | 2 |  |  |
| 2022-03 | 4 | delinquency rising, members leaving |  |
| 2022-06 | 3 |  | delinquency rising |
| 2022-09 | 3 |  |  |
| 2022-12 | 4 | delinquency rising |  |
| 2023-03 | 2 |  | members leaving, delinquency rising |
| 2023-06 | 1 |  | thin capital |
| 2023-09 | 1 |  |  |
| 2023-12 | 2 | delinquency rising |  |
| 2024-03 | 3 | assets shrinking |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 4 | members leaving |  |
| 2024-12 | 1 |  | 3rd-party paper>100% NW, delinquency rising, assets shrinking |
| 2025-03 | 1 |  |  |
| 2025-06 | 0 |  | members leaving |
| 2025-09 | 1 | delinquency rising |  |
| 2025-12 | 0 |  | delinquency rising |
| 2026-03 | 0 |  |  |

## 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
- 2026-03-22 [Senate leader Monique Limón honors 11 Women of the Year from California’s District 21 - edhat](https://news.google.com/rss/articles/CBMisgFBVV95cUxNNFRqanBwemZWZDlTQUZEZFFXRGFtRDhKWEF1ZzJJMklrYVA3b19ia0hhenRNcEtHUUdvYUUyZi1JNFhTWE1iUVNzM2ZaMnk1dHRMUGZKUG5kcXB4ODJIMkw3bDViMTk3QmM2ZkJfaEtsZ0ZsMHpqQVhrblpJQkRDRWw2bGpCbV9PaXUxUWpXRE03QWNIalE1bm41cUNjVjlMX2R1eU9iaXFIRFdtVG80OWVB?oc=5) · edhat
- 2025-12-18 [California - Newsweek Rankings](https://news.google.com/rss/articles/CBMikgFBVV95cUxOTGxlNEF4aW9OOVBlYVYxTjRYMDRvUHFnM3RSZjR0MWpGYi1MbXZHdU5RREhWalRxUENSYlZyQUQ0M1haYThOaWRZSHl5LWVselpYOUpBWmNnOHdaWWJxTXdiczhfc0hOcjFKZ1A1amtUT2k5UU0wRWd6Wk41aEJGOF9MOFBJZE5BeU51XzVyck1PUQ?oc=5) · Newsweek Rankings
- 2022-03-12 [Ventura County roundup: Gunman robs credit union, fire near Gaviota, more news - Ventura County Star](https://news.google.com/rss/articles/CBMi5gFBVV95cUxNQmk1LU9hYnBzd19WUEF2NzF6bmlXX05QVFA2bmk1dTdEclUtUUdvOGFQTWFEeFJrY01pUGtnUEppS2hPSkRFUVVWOTd6QW81RmpxOFNyQlhrdEdzUG0wRjdweFdhOXI2WWViQjUyM2hMMExSU1RlVm82VHp0a0NLdFZNVEdjRmVOdWN2WWtrOGM1a0VqSlZOeTBJR2dWS1l1UEtwbzJOZ3MzMS1CajluRnlfem00dTRZaHJGRXFUZEloeGk5dEsyVVlUYlBvVHFFcnQ4RFcxWGpCZ2xDUmRUUkNQVUxRdw?oc=5) · Ventura County Star
- 2023-05-14 [Santa Barbara County teachers honored at 'Education Celebration' - santamariatimes.com](https://news.google.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?oc=5) · santamariatimes.com
- 2022-05-27 [Santa Barbara County Education Office Tips Hat to Top Educators - Noozhawk](https://news.google.com/rss/articles/CBMikwFBVV95cUxNR25HdEZoVTdHNmZFVFE3S1RfVGJ6N0w3MW44dkRBeW1HWDh4VW55QnZfZ20yVFk3TWtBZ0t1bmg1MkZPQm9YZkhuUHAzVXRzaVJiRHdYMEljREtfY1NzTmdtZFdpZ204RlJuSlktNWdweVo4dXB5S2JUM3RLb1VYcWlGYWgwNFNPdnYxSnU4d2g4b0E?oc=5) · Noozhawk
- 2020-10-13 [Police investigating robbery at Lompoc credit union - KSBY News](https://news.google.com/rss/articles/CBMikgFBVV95cUxPbDZaamR5YWFPbjgwcnR5SVNZamdkaGwtWVJxeHVNUVgtZEFFZmZTN1I4VmplUnRpcHM3NXR1eUVSRHFsaWFaYVJpWUYzenRGN0NXYWNJMjBrMnpkajZPSEs5QkdsNTJzcmpoVVJxNThTOWF4S01jMlE2ZTZaTGlwenpjVUh3akZkcU56NWJrMzVaQQ?oc=5) · KSBY News
- 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

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=6711 (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/55.json (key "6711", 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=6711
- 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