Side-by-side · Q2 2026 data
Commonwealth Central Credit Union vs Santa Cruz Community Credit Union
Credit union
Santa Cruz Community Credit Union
Santa Cruz, California · $100 million – $1 billion
Metric by metric
| Measure | Commonwealth Central Credit Union | Santa Cruz Community Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 57 |
| Capital cushion | 92 (stronger) | 56 |
| Loan quality | 86 (stronger) | 83 |
| Earnings | 48 (stronger) | 0 |
| Funding & liquidity | 79 (stronger) | 67 |
| Problem-loan coverage | 96 (stronger) | 92 |
| Peer percentile | 78th | 14th |
| Total assets | $624.9M | $172.1M |
| Deposits / shares | $530.3M | $148.7M |
| Capital ratio | 14.23% (stronger) | 10.56% |
| Problem loans | 0.41% (stronger) | 0.52% |
| Net charge-offs | 0.61% (stronger) | 0.66% |
| Return on assets | 0.70% (stronger) | -1.00% |
| Loans ÷ deposits | 81.5% (stronger) | 93.5% |
| Uninsured deposits | 7.2% (stronger) | 10.8% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 33.6% | — |
Commonwealth Central Credit Union has the higher TellerScore (80 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Commonwealth Central Credit Union leads on 7 and Santa Cruz Community Credit Union on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.