Side-by-side · Q2 2026 data
Santa Cruz Community Credit Union vs San Joaquin Power Employees Credit Union
Credit union
Santa Cruz Community Credit Union
Santa Cruz, California · $100 million – $1 billion
Credit union
San Joaquin Power Employees Credit Union
Fresno, California · $100 million – $1 billion
Metric by metric
| Measure | Santa Cruz Community Credit Union | San Joaquin Power Employees Credit Union |
|---|---|---|
| TellerScore | 57 | 84 (stronger) |
| Capital cushion | 56 | 100 (stronger) |
| Loan quality | 83 | 99 (stronger) |
| Earnings | 0 | 42 (stronger) |
| Funding & liquidity | 67 | 73 (stronger) |
| Problem-loan coverage | 92 | 100 (stronger) |
| Peer percentile | 14th | 86th |
| Total assets | $172.1M | $174.9M |
| Deposits / shares | $148.7M | $144.9M |
| Capital ratio | 10.56% | 15.39% (stronger) |
| Problem loans | 0.52% | 0.04% (stronger) |
| Net charge-offs | 0.66% | 0.05% (stronger) |
| Return on assets | -1.00% | 0.55% (stronger) |
| Loans ÷ deposits | 93.5% | 87.0% (stronger) |
| Uninsured deposits | 10.8% | 0.0% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 13.5% |
San Joaquin Power Employees Credit Union has the higher TellerScore (84 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Santa Cruz Community Credit Union leads on 0 and San Joaquin Power Employees Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.