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
- ASSETS 89/100
- MEM 10.7%
- RANK 0.44%
- PHOTO 0.52%
- BOOK $176.0M
- CHARTER 14,581
- NCUSIF #1,302/4,374
- CAMELS Health Advantage
- HEALTH 64029
Call Report peers
Santa Cruz Community in the assets neighbourhood
Santa Cruz Community's $176.0M assets sit next to Health Advantage ($176.1M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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
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.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Santa Cruz Community
Santa Cruz Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.0% from $176.0M (2025Q4) to $174.3M (2026Q1).
- Net-worth ratio shifted -0.14 pp (10.81% → 10.67%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Two NCUA Call Report peer sets for Santa Cruz Community, both outside California so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($176.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
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
- Rates and health both vary by institution, not just by state -- see how California credit unions compare overall before assuming this one is typical. California state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
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 the national health ranking (same basis as /rankings/healthiest), it sits at #1,302 of 4,374; by total assets it ranks #1,374 of 4,374 nationally (same basis as /rankings/largest); and #126 of 243 within California. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 10.67% 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 10.67% 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.
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.