Side-by-side · Q2 2026 data
Tulare County Federal Credit Union vs Santa Cruz Community Credit Union
Credit union
Tulare County Federal Credit Union
Tulare, California · $100 million – $1 billion
Credit union
Santa Cruz Community Credit Union
Santa Cruz, California · $100 million – $1 billion
Metric by metric
| Measure | Tulare County Federal Credit Union | Santa Cruz Community Credit Union |
|---|---|---|
| TellerScore | 48 | 57 (stronger) |
| Capital cushion | 19 | 56 (stronger) |
| Loan quality | 75 | 83 (stronger) |
| Earnings | 24 (stronger) | 0 |
| Funding & liquidity | 73 (stronger) | 67 |
| Problem-loan coverage | 82 | 92 (stronger) |
| Peer percentile | 4th | 14th |
| Total assets | $166.6M | $172.1M |
| Deposits / shares | $143.9M | $148.7M |
| Capital ratio | 6.91% | 10.56% (stronger) |
| Problem loans | 0.74% | 0.52% (stronger) |
| Net charge-offs | 0.24% (stronger) | 0.66% |
| Return on assets | 0.11% (stronger) | -1.00% |
| Loans ÷ deposits | 87.0% (stronger) | 93.5% |
| Uninsured deposits | 3.7% (stronger) | 10.8% |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.4% | — |
Santa Cruz Community Credit Union has the higher TellerScore (57 vs 48). On the 7 directional measures above (where higher or lower is clearly better), Tulare County Federal Credit Union leads on 4 and Santa Cruz Community Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.