credit union

Santa Cruz Community

Santa Cruz, CA · Est. 1977
C
Trust Grade
Average
Score: 78/100

Santa Cruz Community is a credit union based in Santa Cruz, California, established in 1977, with $174 million in total assets serving 14,639 members. By Trust Grade it ranks 208th of 241 credit unions we track in California. Its net worth ratio of 10.7% trails most similarly sized credit unions (41th percentile), versus a California median of 11.1%. It posted a loss over the most recent period (-0.74% return on assets), a point to watch. No consumer complaints against Santa Cruz Community appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$174.3M
$100M–1B institution
Members
14,639
Shares & deposits
—
Net worth ratio
10.7%
Bottom 41% of $100M–1B peers · California median 11.1%
Return on assets
-0.7%
Bottom 1% of $100M–1B peers · California median 0.5%
Rank in California
#208
of 241 credit unions

How Santa Cruz Community compares to California peers

Net worth ratio
Bottom 41% of $100M–1B peers
Santa Cruz
10.7%
California median
11.1%
Higher capital ratio = stronger financial cushion
Return on assets
Bottom 1% of $100M–1B peers
Santa Cruz
-0.7%
California median
0.5%
Higher ROA = more profitable relative to asset base

How we graded Santa Cruz Community

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
78/100
Customer experience
n/a
Overall
C · 78
  • Well-capitalized (10.7% capital ratio)
  • Unprofitable over the period (ROA -0.74%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for Santa Cruz Community over the analysis window. For a smaller institution this is common and counts in its favor.

Are deposits at Santa Cruz Community insured?

Yes. Santa Cruz Community is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

Santa Cruz Community: frequently asked questions

Is Santa Cruz Community a good credit union?

Santa Cruz Community earns a Bankzia Trust Grade of C (78/100, "Average"), based on a financial-strength score of 78/100 (it has no CFPB complaints on record). Well-capitalized (10.7% capital ratio); Unprofitable over the period (ROA -0.74%).

Is Santa Cruz Community NCUA-insured?

Yes. Santa Cruz Community is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.

How big is Santa Cruz Community?

Santa Cruz Community holds $174 million in total assets, ranking 208th of 241 credit unions we track in California. It serves 14,639 members.

Does Santa Cruz Community have CFPB complaints?

No CFPB complaints against Santa Cruz Community appear in our data over the analysis window, which is typical for a credit union of this size.

Similar Credit Unions

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Vida
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Compass Community
credit union · Eureka, CA · $181M assets
South Bay
credit union · Redondo Beach, CA · $164M assets

Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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