Side-by-side · Q2 2026 data
E-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 | E-Central Credit Union | Santa Cruz Community Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 57 |
| Capital cushion | 100 (stronger) | 56 |
| Loan quality | 74 | 83 (stronger) |
| Earnings | 49 (stronger) | 0 |
| Funding & liquidity | 76 (stronger) | 67 |
| Problem-loan coverage | 83 | 92 (stronger) |
| Peer percentile | 74th | 14th |
| Total assets | $173.5M | $172.1M |
| Deposits / shares | $130.7M | $148.7M |
| Capital ratio | 23.41% (stronger) | 10.56% |
| Problem loans | 0.77% | 0.52% (stronger) |
| Net charge-offs | 0.21% (stronger) | 0.66% |
| Return on assets | 0.72% (stronger) | -1.00% |
| Loans ÷ deposits | 84.6% (stronger) | 93.5% |
| Uninsured deposits | 6.9% (stronger) | 10.8% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
E-Central Credit Union has the higher TellerScore (78 vs 57). On the 7 directional measures above (where higher or lower is clearly better), E-Central Credit Union leads on 6 and Santa Cruz Community Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.