Santa Cruz Community

Santa Cruz, CA · 2 · Charter #64029 · www.scccu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$176.0M
81th percentile
Members
14,581
89th percentile
Total loans
$141.4M
93th percentile
Total shares
$145.8M
79th percentile

Profitability

Return on assets
-0.41%
2th percentile
Net interest margin
4.59%
90th percentile
Efficiency ratio
91.99%
1th percentile
Non-interest income ratio
17.87%
54th percentile

Capital & Risk

Net worth ratio
10.81%
32th percentile
Delinquency rate
0.44%
70th percentile
Net charge-off rate
0.55%
29th percentile
Loan-to-share
96.97%
93th percentile

Growth

Member growth YoY
-1.43%
40th percentile
Asset growth YoY
-5.38%
2th percentile
Loan growth YoY
-3.36%
24th percentile
Share growth YoY
-8.29%
1th percentile

Operations

Members / branch
4,860
82th percentile
Assets / member
$12,072
29th percentile
Field of membership penetration
1.90%
27th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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