Headquartered in Santa Cruz, California, Santa Cruz Community Credit Union is a federally insured state-chartered credit union with $172.1M in total assets and $148.7M in member shares and deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1977.
Santa Cruz Community Credit Union has a TellerScore of 57 out of 100 (moderate) based on Q2 2026 data — higher than only 14% of its 1,341 credit unions with $100 million – $1 billion. Among 238 credit unions headquartered in California, it ranks 195th. Problem-loan coverage contributes the most (92/100, 4.1%); earnings contributes the least (0/100, -1.00%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 2 points (59 → 57), mostly because the capital cushion component weakened by 4 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 63 |
| Q3 2024 | 64 |
| Q4 2024 | 66 |
| Q1 2025 | 58 |
| Q2 2025 | 59 |
| Q3 2025 | 60 |
| Q4 2025 | 57 |
| Q1 2026 | 58 |
| Q2 2026 | 57 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 10.60% |
| Q3 2024 | 10.81% |
| Q4 2024 | 10.96% |
| Q1 2025 | 10.71% |
| Q2 2025 | 10.99% |
| Q3 2025 | 10.87% |
| Q4 2025 | 10.81% |
| Q1 2026 | 10.67% |
| Q2 2026 | 10.56% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.67% |
| Q3 2024 | 0.62% |
| Q4 2024 | 0.48% |
| Q1 2025 | 0.45% |
| Q2 2025 | 0.39% |
| Q3 2025 | 0.31% |
| Q4 2025 | 0.44% |
| Q1 2026 | 0.40% |
| Q2 2026 | 0.52% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.42% |
| Q3 2024 | 0.49% |
| Q4 2024 | 0.49% |
| Q1 2025 | -0.51% |
| Q2 2025 | -0.54% |
| Q3 2025 | -0.68% |
| Q4 2025 | -0.68% |
| Q1 2026 | -0.74% |
| Q2 2026 | -1.00% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 57 | $172.1M | 10.56% | 0.52% | -1.00% | 93.5% |
| Q1 2026 | 58 | $174.3M | 10.67% | 0.40% | -0.74% | 92.8% |
| Q4 2025 | 57 | $176.0M | 10.81% | 0.44% | -0.68% | 95.9% |
| Q3 2025 | 60 | $179.2M | 10.87% | 0.31% | -0.68% | 92.0% |
| Q2 2025 | 59 | $181.2M | 10.99% | 0.39% | -0.54% | 90.3% |
| Q1 2025 | 58 | $188.1M | 10.71% | 0.45% | -0.51% | 87.6% |
| Q4 2024 | 66 | $186.0M | 10.96% | 0.48% | 0.49% | 91.3% |
| Q3 2024 | 64 | $188.1M | 10.81% | 0.62% | 0.49% | 91.0% |
| Q2 2024 | 63 | $189.0M | 10.60% | 0.67% | 0.42% | 91.2% |
1,341 peers · $100 million – $1 billion
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in California
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Mission City Federal Credit UnionCredit union Santa Clara, CA | 62 out of 100, Moderate | $171.7M | 8.3% | 0.17% | vs |
| E-Central Credit UnionCredit union Pasadena, CA | 78 out of 100, Strong | $173.5M | 23.4% | 0.77% | vs |
| Vida Federal Credit UnionCredit union Ontario, CA | 83 out of 100, Strong | $174.6M | 13.8% | 0.13% | vs |
| San Joaquin Power Employees Credit UnionCredit union Fresno, CA | 84 out of 100, Strong | $174.9M | 15.4% | 0.04% | vs |
| California Lithuanian Credit UnionCredit union Santa Monica, CA | 70 out of 100, Strong | $175.1M | 17.4% | 1.45% | vs |
| Tulare County Federal Credit UnionCredit union Tulare, CA | 48 out of 100, Below average | $166.6M | 6.9% | 0.74% | vs |
Deposit insurance
Is my money safe at Santa Cruz Community Credit Union?
Yes. Santa Cruz Community Credit Union is a federally insured credit union (NCUA charter #64029). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 10.8% of shares and deposits ($16.1M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 10.56%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
3 locations
Branches
Santa Cruz Community Credit Union lists 3 offices in 3 cities. Most locations:
- Santa Cruz, CA (1)
- Soquel, CA (1)
- Watsonville, CA (1)
Identity & history
Profile
- Legal name
- Santa Cruz Community Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 64029
- RSSD ID
- 162494
- Primary regulator
- State + NCUA
- Established
- 1977
- Headquarters
- 55 River St, Santa Cruz, CA 95060
- Employees
- 45
Quick answers
Santa Cruz Community Credit Union: common questions
Is Santa Cruz Community Credit Union NCUA insured?
Yes. Santa Cruz Community Credit Union is a federally insured credit union (NCUA charter #64029). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Santa Cruz Community Credit Union's TellerScore?
57 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Santa Cruz Community Credit Union have?
3 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Santa Cruz
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Commonwealth Central Credit UnionCredit union San Jose, CA | 80 out of 100, Strong | $624.9M | 14.2% | 0.41% | vs |
| Star One Credit UnionCredit union Sunnyvale, CA | 77 out of 100, Strong | $9.7B | 14.1% | 0.13% | vs |
| West Coast Community BankBank Santa Cruz, CA | 75 out of 100, Strong | $2.9B | 12.0% | 0.50% | vs |
| Citizens Business Bank, National AssociationBank Ontario, CA | 73 out of 100, Strong | $21.2B | 11.4% | 0.14% | vs |
| Liberty Bank, National AssociationBank Irvine, CA | 72 out of 100, Strong | $399.2M | 14.4% | 0.00% | vs |
| Provident Credit UnionCredit union Redwood City, CA | 72 out of 100, Strong | $3.6B | 10.9% | 0.07% | vs |