Sep, 30, 2025 — SANTA MARIA ASSOCIATED EMPLOYEES FEDERAL CREDIT UNION is a federal credit union headquartered in SANTA MARIA, CA with 1 branch location and about $4.82 million in total assets. Opened 68 years ago in 1958, SANTA MARIA ASSOCIATED EMPLOYEES FEDERAL CREDIT UNION has about 1,029 members offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | SANTA MARIA ASSOCIATED EMPLOYEES FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 314 W Cook St Rm 1 SANTA MARIA, CA 93458-5557 |
| Phone: | (805) 925-0951 |
| Fax: | (805) 925-6818 |
| Website: | https://www.smcreditunion.org |
| Branches: | 1 branch locations |
| Members: | 1,029 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 12508 |
|---|---|
| Membership Type: | Multiple common bond - Primarily federal, state, local government |
| Corporate Credit Union: | No |
| Year Opened: | 1958 |
| Last Audited: | Sep 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $4,823,055 |
| CEO/Manager: | MELLISSA MATHESON |
| Chairperson: | SETH WELLS |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 1,089,622 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 0 |
| Unsecured Loans | 303,879 |
| Other Loans | 2,999,237 |
| TOTAL LOANS | 3,303,117 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -35,079 |
| Land And Building | 0 |
| Other Fixed Assets | 0 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 44,491 |
| All Other Assets | 0 |
| TOTAL ASSETS | 4,823,055 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 253 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 876 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 0 |
| Regular shares | 4,366,786 |
| All Other Shares & Deposits | 0 |
| TOTAL SHARES & DEPOSITS | 4,366,786 |
| TOTAL LIABILITIES | 4,367,915 |
| Regular Reserve | 0 |
| Other Reserves | 72,700 |
| Undivided Earnings | 382,440 |
| TOTAL EQUITY | 455,140 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 4,823,055 |
| INCOME & EXPENSE | |
| Loan Income | 145,726 |
| Investment Income | 43,059 |
| Other Income | 11,521 |
| Total Employee Compensation & Benefits | 124,131 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 38,352 |
| Non-operating Income & (Expense) | 93 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 9,618 |
| Cost of Funds | 3,207 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 25,091 |
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