Side-by-side · Q2 2026 data
Santa Cruz Community Credit Union vs Provident Credit Union
Credit union
Santa Cruz Community Credit Union
Santa Cruz, California · $100 million – $1 billion
Metric by metric
| Measure | Santa Cruz Community Credit Union | Provident Credit Union |
|---|---|---|
| TellerScore | 57 | 72 (stronger) |
| Capital cushion | 56 | 59 (stronger) |
| Loan quality | 83 | 98 (stronger) |
| Earnings | 0 | 46 (stronger) |
| Funding & liquidity | 67 | 69 (stronger) |
| Problem-loan coverage | 92 | 99 (stronger) |
| Peer percentile | 14th | 66th |
| Total assets | $172.1M | $3.6B |
| Deposits / shares | $148.7M | $3.1B |
| Capital ratio | 10.56% | 10.86% (stronger) |
| Problem loans | 0.52% | 0.07% (stronger) |
| Net charge-offs | 0.66% | 0.09% (stronger) |
| Return on assets | -1.00% | 0.65% (stronger) |
| Loans ÷ deposits | 93.5% | 90.8% (stronger) |
| Uninsured deposits | 10.8% | 10.2% (stronger) |
| Offices | 3 | 22 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.2% |
Provident Credit Union has the higher TellerScore (72 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Santa Cruz Community Credit Union leads on 0 and Provident Credit Union on 7. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.