SANTA CRUZ COMMUNITY
Santa Cruz, CA · State Credit Union · Chartered in CA
Who can join
State government employees (special charter)
Members
14,639
Net Worth Ratio
10.67%
min. 7% = Well Capitalized
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
At a Glance
Total Assets
$174.3M
Peer Group 5
Members
14,639
as of latest quarter
Net Worth Ratio
10.67%
Well Capitalized
Institution Profile
NCUAWebsite
Phone
Address
Chartered
Branch Locations
Membership Eligibility
Financial Snapshot
Total Assets
$174.3M
Total Shares
$150.3M
Total Loans
$139.4M
Net Worth Ratio
10.67%
≥7% = Well Capitalized
Members
14,639
Delinquency Rate (60d+)
0.22%
$307K
Loan-to-share ratio: 92.8%· healthy range 60–80%
Branch Locations
NCUASanta Cruz Branch
55 River St, Santa Cruz, CA, 95060-4568
Monday -Tuesday 9:00 AM - 5:00 PM Wednesday: 10:30 AM - 5:00 PM Thursday -Friday: 9:00 AM - 5:00 PM
Watsonville Branch
590 Auto Center Dr, Watsonville, CA, 95076
Monday -Tuesday 9:00 AM - 5:00 PM Wednesday: 10:30 AM - 5:00 PM Thursday -Friday: 9:00 AM - 5:00 PM Saturday: 9:30 AM - 1:30 PM
Soquel Branch
2750 41st Ave, Soquel, CA, 95073
Monday -Tuesday 9:00 AM - 5:00 PM Wednesday: 10:30 AM - 5:00 PM Thursday -Friday: 9:00 AM - 5:00 PM Saturday: 9:30 AM - 1:30 PM
Mortgage Lending (HMDA)
Credit unions that originate mortgages report Home Mortgage Disclosure Act (HMDA) data to the CFPB. This data covers application volumes, approvals, denials, and borrower demographics.
Consumer Complaints
No CFPB complaint data available for this credit union.
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<a href="https://bankscorer.com/credit-union/santa-cruz-community" target="_blank" rel="noopener">View SANTA CRUZ COMMUNITY on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.