State credit union · Santa Cruz, California · NCUA charter #64029
Santa Cruz Community
Health score 89/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $176.0M
- Total assets
- 14,581
- Members
- 10.0%
- Net-worth ratio
Santa Cruz Community - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #64029. See our deposit-insurance coverage note.
Santa Cruz Community - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth43
- Liquidity (loan-to-share)82
Weighted composite: 89/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
9.96% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.96% | 30% |
| Delinquency Rate | 0.44% | 25% |
| Return on Assets | 0.52% | 15% |
| Member Growth | -1.43% | 15% |
| Loan-to-Share Ratio | 95.95% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $176.0M | 14,581 |
| 2024Q4 | $186.0M | 14,793 |
| 2023Q4 | $191.8M | 15,139 |
Credit Union Details
- Charter Number
- 64029
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- California
- City
- Santa Cruz
- Data Quarter
- 2025Q4
What This Data Says About Santa Cruz Community
14,581 members and $176.0M in total assets sit behind Santa Cruz Community, a state credit union in Santa Cruz, California, which posts a health score of 89/100 (Excellent) on the five-factor composite, with $141.4M in outstanding loans as of Q4 2025 and a net worth ratio of 9.96% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #64029 in peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
Deposits deployed into lending sit at a 95.95% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Loan quality, meanwhile, shows 0.44% of the book 60+ days past due - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. Return on assets stands at 0.52% on net income of $912K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -1.43%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in California
A look at other California credit unions, ranked by how closely their peer group and asset size match this one.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Santa Cruz Community financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Santa Cruz Community carries a financial health score of 89/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.96% net worth ratio and a 0.44% delinquency rate.
How does Santa Cruz Community compare to other credit unions?
Five weighted metrics from NCUA filings produce Santa Cruz Community's 89/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Santa Cruz Community?
Membership eligibility for Santa Cruz Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Santa Cruz Community directly for current membership requirements and application steps.
Is my money safe at Santa Cruz Community?
Federal credit unions like Santa Cruz Community are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Santa Cruz Community's net worth ratio of 9.96% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Santa Cruz Community offer compared to banks?
Credit unions like Santa Cruz Community are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Santa Cruz Community directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.