Side-by-side · Q2 2026 data
Santa Cruz Community Credit Union vs South Bay 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 | South Bay Credit Union |
|---|---|---|
| TellerScore | 57 | 59 (stronger) |
| Capital cushion | 56 (stronger) | 44 |
| Loan quality | 83 | 84 (stronger) |
| Earnings | 0 | 24 (stronger) |
| Funding & liquidity | 67 | 75 (stronger) |
| Problem-loan coverage | 92 | 92 |
| Peer percentile | 14th | 19th |
| Total assets | $172.1M | $160.6M |
| Deposits / shares | $148.7M | $144.1M |
| Capital ratio | 10.56% (stronger) | 9.41% |
| Problem loans | 0.52% | 0.48% (stronger) |
| Net charge-offs | 0.66% | 0.46% (stronger) |
| Return on assets | -1.00% | 0.10% (stronger) |
| Loans ÷ deposits | 93.5% | 85.7% (stronger) |
| Uninsured deposits | 10.8% | 0.0% (stronger) |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
South Bay Credit Union has the higher TellerScore (59 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Santa Cruz Community Credit Union leads on 1 and South Bay Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.