Credit Union Safety Analysis
Is Santa Cruz Community Credit Union Safe? Santa Cruz, California
Based on its Q2 2026 NCUA 5300 call report, Santa Cruz Community Credit Union has a net worth ratio of 10.56%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.52%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Santa Cruz Community Credit Union's net worth ratio is 10.56%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.56%
- Delinquency ratio (60+ days) (Q2 2026): 0.52%
- Return on assets (Q2 2026): -1.25%
- Loan-to-share ratio (Q2 2026): 93.48%
Santa Cruz Community Credit Union (NCUA charter 64029, established 1977) reported $172.1M in assets and 14,777 members for Q2 2026 from Santa Cruz, California. It ranks 129 of 238 credit unions in California by total assets. Total assets fell 5.0% from $181.2M on June 30, 2025. It has 221 more members than on June 30, 2025 (+1.5%). Its net worth ratio was down 0.43 percentage points from 10.99% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $75.0M of $139.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.52% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 10.67% for Q1 2026; 10.99% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.40% for Q1 2026; 0.39% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: -0.74% for Q1 2026; -0.56% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 92.77% for Q1 2026; 90.26% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $75.0M
- Used vehicle loans: $27.1M
- Commercial loans: $19.4M
- New vehicle loans: $6.4M
- Unsecured credit card loans: $5.6M
- Other unsecured loans and lines of credit: $2.7M
- Other secured non-real estate loans and lines of credit: $2.7M
- Non-federally guaranteed student loans: $79K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $172.1M | 10.56% | 0.52% | -1.25% | 93.48% |
| March 31, 2026 | $174.3M | 10.67% | 0.40% | -0.74% | 92.77% |
| December 31, 2025 | $176.0M | 10.81% | 0.44% | -0.67% | 95.95% |
| September 30, 2025 | $179.2M | 10.87% | 0.31% | -0.93% | 91.96% |
| June 30, 2025 | $181.2M | 10.99% | 0.39% | -0.56% | 90.26% |
| March 31, 2025 | $188.1M | 10.71% | 0.45% | -0.51% | 87.61% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Santa Cruz Community Credit Union profile
Regulator records: NCUA credit union profile (charter 64029) · FFIEC NIC profile (RSSD 162494)
Frequently asked questions
Is Santa Cruz Community Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Santa Cruz Community Credit Union's net worth ratio is 10.56%, above the 7% NCUA threshold for well capitalized.
Is Santa Cruz Community Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Santa Cruz Community Credit Union is a federally insured credit union (NCUA charter 64029): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Santa Cruz Community Credit Union's key safety ratios?
For Q2 2026, Santa Cruz Community Credit Union reports net worth 10.56%, delinquency 0.52%, ROA -1.25%, loan-to-share 93.48%.
What happens to my money if Santa Cruz Community Credit Union fails?
For Q2 2026, Santa Cruz Community Credit Union held $148.7M in shares and deposits for 14,777 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.