Sonoma Federal Credit Union Santa Rosa, California
Sonoma Federal Credit Union is a federal credit union headquartered in Santa Rosa, CA, established in 1961 (NCUA charter 14415), and it is regulated and insured by the NCUA. At Q2 2026 it reported 1,792 members and total assets of $80.0M (down 1.4% from Q2 2025), the 164th largest of 238 credit unions headquartered in California. Its net worth ratio was 13.50% at Q2 2026, in the well capitalized band.
Also written as Sonoma FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 14415
- Headquarters
- Santa Rosa, CA
- Established
- 1961
- Total assets, Q2 2026
- $80.0M
- Assets vs Q2 2025
- -1.4%
- Members, Q2 2026
- 1,792
- Net worth ratio, Q2 2026
- 13.50%
- Latest call report
- Q2 2026, NCUA 5300 · Sonoma Federal Credit Union call report
- Asset rank in state
- 164th of 238 in California
- Routing number
- 321177560
- Branches
- 2
It has 20 fewer members than on June 30, 2025 (-1.1%). Its net worth ratio was up 1.83 percentage points from 11.67% on June 30, 2025. Other secured non-real estate loans and lines of credit are its largest loan category, $36.1M of $56.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.63% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 13.50% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in California
Frequently asked about Sonoma Federal Credit Union
How big is Sonoma Federal Credit Union?
At Q2 2026 it reported total assets of $80.0M and 1,792 members.
Where is Sonoma Federal Credit Union headquartered?
It is headquartered in Santa Rosa, CA, United States.
When was Sonoma Federal Credit Union founded?
It was established in 1961, per NCUA records.
Is Sonoma Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 14415): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Sonoma Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Sonoma Federal Credit Union well capitalized?
Its net worth ratio was 13.50% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Sonoma Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.63% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Sonoma Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 82.18% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Santa Rosa, CA 95405
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1961
- NCUA Charter #
- 14415
- RSSD ID
- 420886
- Members
- 1,792
- Potential members
- 500,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 3 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 13.50% | 14.31% | 44th below |
| Return on assets Middle half of peers: 0.16% to 1.30% | 1.76% | 0.72% | 87th top |
| Return on equity Middle half of peers: 1.04% to 8.69% | 13.07% | 4.74% | over 90th top |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.51% | 3.93% | 33rd below |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 57.14% | 79.83% | over 90th top |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 2.55% | 0.78% | under 10th bottom |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.63% | 0.86% | 61st above |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 6.06% | 4.70% | 90th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 82.18% | 58.92% | 82nd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$80.0M total assets against $81.1M; $69.0M total shares and deposits against $71.5M; $56.7M total loans against $51.6M.
$10.8M net worth against $9.5M.
13.50% net worth ratio against 11.67%.
82.18% loan-to-share ratio against 72.21%.
0.63% delinquency ratio against 0.35%.
1.76% return on assets against 1.43%; 13.07% return on equity against 12.27%.
3.51% net interest margin against 2.93%.
1,792 members against 1,812.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 13.50% | 1.76% | 0.63% | 82.18% |
| March 31, 2026 | 13.03% | 1.57% | 0.78% | 79.27% |
| December 31, 2025 | 12.57% | 1.74% | 0.87% | 77.22% |
| September 30, 2025 | 12.03% | 1.53% | 0.68% | 77.33% |
| June 30, 2025 | 11.67% | 1.43% | 0.35% | 72.21% |
| March 31, 2025 | 11.78% | 1.38% | 0.60% | 79.16% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.