SANTA CRUZ COMMUNITY
State-Chartered • Santa Cruz, California • Est. 1977
Quick Facts
- Charter Number
- #64029
- Type
- State-Chartered
- Established
- 1977
- Headquarters
- Santa Cruz, California 95060-4568
- Address
- 55 River St
- Branches
- 3
- ATMs
- 3
- Members
- 14,639
- Membership Type
- Community
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 10% and a delinquency rate below 1%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
14,639 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | SANTA CRUZ COMMUNITY |
|---|---|
| Total Assets | $174.3M |
| Members | 14,639 |
| Loans Outstanding | $139.4M |
| Shares & Deposits | $150.3M |
| Net Worth | $18.6M |
| Net Worth Ratio | 10.67% |
| Loan-to-Share Ratio | 92.8% |
| Delinquency Rate | 0.40% |
| Net Income | +$0 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
Branch Locations
3 locations · 3 ATMs
Watsonville Branch
590 Auto Center Dr
Watsonville, CA 95076
Soquel Branch
2750 41st Ave
Soquel, CA 95073
Santa Cruz Branch
Main Office55 River St
Santa Cruz, CA 95060-4568
Who Can Join SANTA CRUZ COMMUNITY?
Membership Type: Community
Membership eligibility for SANTA CRUZ COMMUNITY may vary. Contact the credit union directly to confirm qualification requirements.
Contact SANTA CRUZ COMMUNITY directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in California
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View California RankingsFrequently Asked Questions
SANTA CRUZ COMMUNITY is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, SANTA CRUZ COMMUNITY has 14,639 members and a potential membership field of 767,816 people.
SANTA CRUZ COMMUNITY's reported net worth ratio is 10.67% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
SANTA CRUZ COMMUNITY operates 3 branch locations and has access to 3 ATMs. The main office is located at 55 River St, Santa Cruz, CA 95060-4568.
SANTA CRUZ COMMUNITY was established in 1977. It is a state-chartered credit union chartered under charter number 64029. The institution has been serving members for 49 years.
Data sourced from the NCUA Quarterly Call Report (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or SANTA CRUZ COMMUNITY. All financial data is for informational purposes only.