SANTA CRUZ COMMUNITY Credit Union Profile

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SANTA CRUZ COMMUNITY

Charter #64029 | NCUA Region 3 | FISCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (831) 425-7708

Fax: (831) 425-4789

Founding Date: N/A

Website: https://www.scccu.org

Personnel & Operations

President: Johnson, Elaine

Manager: Carr, Beth

FT Employees: 51

PT Employees: 1

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 3

Hours: Monday -Tuesday 9:00 AM - 5:00 PM Wednesday

Credit Union Profile Summary

SANTA CRUZ COMMUNITY is a FISCU Credit Union. With a total of 14,556 members [1], this institution manages approximately $181,172,032 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 10.99% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -4.82% [1].

Financial Snapshot

Total Assets [1]
$181,172,032

Total economic resources.

Total Loans [1]
$140,444,883

Total value of outstanding loans.

Total Deposits [1]
$155,596,910

Total funds deposited by members.

Members [1]
14,556

Number of active members.

Performance Ratios

Net Worth Ratio [1]
10.99%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
-0.53%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
90.26%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↓ -4.16%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↓ -4.82%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↓ -4.44%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

55 River St

Santa Cruz, CA, 95060-4568
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 3 branches reported by SANTA CRUZ COMMUNITY (Charter #64029).

Main Office

Santa Cruz Community CU - Main Main Office

Type: Corporate Office

324 Front St

Santa Cruz, CA 95060-4502

Phone: (831) 425-7708

Services: Member Services, ATM

Open in Directions

Additional Branches

Soquel

Soquel Branch

Type: Branch Office

2750 41st Ave

Suite F

Soquel, CA 95073

Phone: (831) 425-7708

Services: Member Services, ATM

Open in Directions

Watsonville

Watsonville Branch

Type: Branch Office

590 Auto Center Dr

Watsonville, CA 95076

Phone: (831) 425-7708

Services: Member Services, ATM

Open in Directions