Side-by-side · Q2 2026 data
Torrance Community Federal Credit Union vs Santa Cruz Community Credit Union
Credit union
Torrance Community Federal Credit Union
Torrance, California · $100 million – $1 billion
Credit union
Santa Cruz Community Credit Union
Santa Cruz, California · $100 million – $1 billion
Metric by metric
| Measure | Torrance Community Federal Credit Union | Santa Cruz Community Credit Union |
|---|---|---|
| TellerScore | 73 (stronger) | 57 |
| Capital cushion | 52 | 56 (stronger) |
| Loan quality | 96 (stronger) | 83 |
| Earnings | 43 (stronger) | 0 |
| Funding & liquidity | 100 (stronger) | 67 |
| Problem-loan coverage | 99 (stronger) | 92 |
| Peer percentile | 60th | 14th |
| Total assets | $162.9M | $172.1M |
| Deposits / shares | $150.8M | $148.7M |
| Capital ratio | 10.15% | 10.56% (stronger) |
| Problem loans | 0.13% (stronger) | 0.52% |
| Net charge-offs | 0.06% (stronger) | 0.66% |
| Return on assets | 0.57% (stronger) | -1.00% |
| Loans ÷ deposits | 46.4% (stronger) | 93.5% |
| Uninsured deposits | 8.5% (stronger) | 10.8% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Torrance Community Federal Credit Union has the higher TellerScore (73 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Torrance Community Federal 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.