Side-by-side · Q2 2026 data
Santa Cruz Community Credit Union vs Star One 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 | Star One Credit Union |
|---|---|---|
| TellerScore | 57 | 77 (stronger) |
| Capital cushion | 56 | 91 (stronger) |
| Loan quality | 83 | 96 (stronger) |
| Earnings | 0 | 25 (stronger) |
| Funding & liquidity | 67 | 71 (stronger) |
| Problem-loan coverage | 92 | 99 (stronger) |
| Peer percentile | 14th | 82nd |
| Total assets | $172.1M | $9.7B |
| Deposits / shares | $148.7M | $8.4B |
| Capital ratio | 10.56% | 14.06% (stronger) |
| Problem loans | 0.52% | 0.13% (stronger) |
| Net charge-offs | 0.66% | 0.04% (stronger) |
| Return on assets | -1.00% | 0.12% (stronger) |
| Loans ÷ deposits | 93.5% | 80.5% (stronger) |
| Uninsured deposits | 10.8% (stronger) | 22.9% |
| Offices | 3 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 24.0% |
Star One Credit Union has the higher TellerScore (77 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Santa Cruz Community Credit Union leads on 1 and Star One Credit Union on 6. 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.