credit union

Santa Barbara County

Santa Barbara, CA · Est. 1950
A
Trust Grade
Excellent
Score: 92/100

Santa Barbara County is a credit union based in Santa Barbara, California, established in 1950, with $65 million in total assets serving 3,981 members. By Trust Grade it ranks 87th of 241 credit unions we track in California. Its net worth ratio of 12.8% trails most similarly sized credit unions (39th percentile), versus a California median of 11.1%. It was profitable over the most recent period, with a 0.26% return on assets. No consumer complaints against Santa Barbara County appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$64.7M
<$100M institution
Members
3,981
Shares & deposits
—
Net worth ratio
12.8%
Bottom 39% of <$100M peers · California median 11.1%
Return on assets
0.3%
Bottom 33% of <$100M peers · California median 0.5%
Rank in California
#87
of 241 credit unions

How Santa Barbara County compares to California peers

Net worth ratio
Bottom 39% of <$100M peers
Santa Barbara
12.8%
California median
11.1%
Higher capital ratio = stronger financial cushion
Return on assets
Bottom 33% of <$100M peers
Santa Barbara
0.3%
California median
0.5%
Higher ROA = more profitable relative to asset base

How we graded Santa Barbara County

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
92/100
Customer experience
n/a
Overall
A · 92
  • Strongly capitalized (12.8% capital ratio)
  • Profitable (ROA 0.26%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for Santa Barbara County over the analysis window. For a smaller institution this is common and counts in its favor.

Are deposits at Santa Barbara County insured?

Yes. Santa Barbara County is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

Santa Barbara County: frequently asked questions

Is Santa Barbara County a good credit union?

Santa Barbara County earns a Bankzia Trust Grade of A (92/100, "Excellent"), based on a financial-strength score of 92/100 (it has no CFPB complaints on record). Strongly capitalized (12.8% capital ratio); Profitable (ROA 0.26%).

Is Santa Barbara County NCUA-insured?

Yes. Santa Barbara County is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.

How big is Santa Barbara County?

Santa Barbara County holds $65 million in total assets, ranking 87th of 241 credit unions we track in California. It serves 3,981 members.

Does Santa Barbara County have CFPB complaints?

No CFPB complaints against Santa Barbara County appear in our data over the analysis window, which is typical for a credit union of this size.

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Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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