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
- 14,581
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
14,581 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | SANTA CRUZ COMMUNITY |
|---|---|
| Total Assets | $176.0M |
| Members | 14,581 |
| Loans Outstanding | $141.4M |
| Shares & Deposits | $147.4M |
| Net Worth | $19.0M |
| Net Worth Ratio | 10.81% |
| Loan-to-Share Ratio | 96.0% |
| Delinquency Rate | 0.44% |
| Net Income | $-691,142 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
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.
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View California RankingsFrequently Asked Questions
Yes. SANTA CRUZ COMMUNITY is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, SANTA CRUZ COMMUNITY has 14,581 members and a potential membership field of 767,816 people.
SANTA CRUZ COMMUNITY's net worth ratio is 10.81% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 10.8%, SANTA CRUZ COMMUNITY meets this threshold.
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 (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or SANTA CRUZ COMMUNITY. All financial data is for informational purposes only.