State credit union · Santa Cruz, California · NCUA charter #64029
Santa Cruz Community
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $176.0M
- Total assets
- 14,581
- Members
- 10.7%
- Net-worth ratio
Santa Cruz Community scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $176.0M; members 14,581; net-worth ratio 10.67%; health rank #1,302 of 4,374; healthier than 69th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,302 of 4,374 health · 2025Q4Santa Cruz Community · health 89/100 · $176.0M · 2025Q4
Call Report peers
Santa Cruz Community in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Santa Cruz Community vs every NCUA-scored credit union
Santa Cruz Community sits in the busiest band, 85-89, alongside 857 other credit unions.
89 Top 31% higher than 69% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Where Santa Cruz Community diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 95.95% vs peer 72.20% (+23.75 pp).
- Largest lag: Net Worth Ratio at 10.67% vs peer 12.11% (-1.44 pp).
Santa Cruz Community in California
- In California, health place is #80 of 243 on the same NCUA-ratio sort used nationally.
- California assets place: #126 of 243.
- Membership ranks #110 of 243 among California CUs with a reported count (14,581 members).
- One place up in California, Golden Valley (#79) ties at 89/100; one place down, First California (#81) ties at 89/100.
Quarter path for Santa Cruz Community
Santa Cruz Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.0% from $176.0M (2025Q4) to $174.3M (2026Q1).
- Net-worth ratio shifted -0.14 pp (10.81% → 10.67%).
10.67% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 89/100 score is built
Santa Cruz Community gives up 11 points in total. Member Growth costs the most, 8.6 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 6.4 pts
- Loan-to-Share Ratio 12.6 pts
Santa Cruz Community vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.67% | -1.44 pp |
| Delinquency Rate | 0.44% | -0.46 pp |
| Return on Assets | 0.52% | -0.10 pp |
| Member Growth | -1.43% | - |
| Loan-to-Share Ratio | 95.95% | +23.75 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Santa Cruz Community filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $174.3M | - |
| 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
Branch Locations (3)
Santa Cruz Community operates 3 offices across 3 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Santa Cruz Branch (Main Office) | Santa Cruz, CA |
| Soquel Branch | Soquel, CA |
| Watsonville Branch | Watsonville, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
Nationwide credit unions with similar profiles
Using this data
- Santa Cruz Community ranks #1,302 of 4,374 nationally on financial health and #80 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- E-CENTRAL is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with E-CENTRAL
Frequently Asked Questions
Is Santa Cruz Community financially healthy?
Santa Cruz Community has a financial health score of 89/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,302 of 4,374 nationally on health and #80 of 243 in California. Its net worth ratio is 10.67% and its delinquency rate 0.44%.
How does Santa Cruz Community compare to other credit unions?
Santa Cruz Community scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (95.95% vs 72.20%). Its widest shortfall is net worth ratio (10.67% vs 12.11%).
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?
Santa Cruz Community is a state-chartered credit union; its shares are federally 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 10.67% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.