Side-by-side · Q2 2026 data
West Coast Community Bank vs Santa Cruz Community Credit Union
Credit union
Santa Cruz Community Credit Union
Santa Cruz, California · $100 million – $1 billion
Metric by metric
| Measure | West Coast Community Bank | Santa Cruz Community Credit Union |
|---|---|---|
| TellerScore | 75 (stronger) | 57 |
| Capital cushion | 70 (stronger) | 56 |
| Loan quality | 83 | 83 |
| Earnings | 100 (stronger) | 0 |
| Funding & liquidity | 26 | 67 (stronger) |
| Problem-loan coverage | 92 | 92 |
| Peer percentile | 77th | 14th |
| Total assets | $2.9B | $172.1M |
| Deposits / shares | $2.5B | $148.7M |
| Capital ratio | 12.05% (stronger) | 10.56% |
| Problem loans | 0.50% (stronger) | 0.52% |
| Net charge-offs | 0.39% (stronger) | 0.66% |
| Return on assets | 2.02% (stronger) | -1.00% |
| Loans ÷ deposits | 88.6% (stronger) | 93.5% |
| Uninsured deposits | 56.3% | 10.8% (stronger) |
| Offices | 11 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
West Coast Community Bank has the higher TellerScore (75 vs 57). On the 7 directional measures above (where higher or lower is clearly better), West Coast Community Bank leads on 6 and Santa Cruz Community Credit Union on 1. 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.