Charter 64029 · Santa Cruz, CA
Santa Cruz Community Credit Union
Santa Cruz Community Credit Union is a state-chartered credit union in Santa Cruz, California, with $172 million in assets and 14,777 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 10.56%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $172 million
- -5.0% in a year
- Members
- 14,777
- +1.5% in a year
- Net worth ratio
- 10.56%
- Peer median 11.65%
- Loans 60+ days late
- 0.52%
- Peer median 0.70%
- Loans outstanding
- $139 million
- -1.0% in a year
- Shares and deposits
- $149 million
- -4.4% in a year
- Branches
- 3
- 45 employees
- Opened
- 1977
- California charter
How Santa Cruz Community Credit Union compares
NCUA groups credit unions by size; Santa Cruz Community Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 10.56% is lower than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.52%, is lower than the group median of 0.70%. Loans fell 1.0% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 129 of 239 credit unions headquartered in California. See all California credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $172 million | 14,777 | $139 million | 10.56% | 0.52% |
| Q1 2026 | $174 million | 14,639 | $139 million | 10.67% | 0.40% |
| Q4 2025 | $176 million | 14,581 | $141 million | 10.81% | 0.44% |
| Q3 2025 | $179 million | 14,439 | $142 million | 10.87% | 0.31% |
| Q2 2025 | $181 million | 14,556 | $140 million | 10.99% | 0.39% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 762,663 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 3 sites for Santa Cruz Community Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Watsonville Branch
590 Auto Center Dr, Watsonville, CA 95076 - Soquel Branch
2750 41St Ave, Soquel, CA 95073 - Santa Cruz Branch (main office)
55 River St, Santa Cruz, CA 95060
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology