Get to Know: SANTA CRUZ Community

SANTA CRUZ Community in Santa Cruz, CA — 15K members, $176M in assets, chartered 1977. Key facts and most recent NCUA Call Report figures.

By CU Wire Staff·May 26, 2026 · 13:00 ET·1 min read·2 primary sources

SANTA CRUZ Community is a state-chartered credit union headquartered in Santa Cruz, CA, chartered in 1977. Here are the key facts and most recent NCUA Call Report figures.

The basics

Headquarters: Santa Cruz, CA
Chartered: 1977
Charter type: State-chartered credit union (charter #64029)
Field of membership: State Charter – Various
CEO: Beth Carr
Members: 14,581
Total assets: $176,019,951
Designations: Low-Income Designated
Website: scccu.org

Performance (2025-Q4)

Net worth ratio: 10.81%
Return on assets: -0.68%
Delinquency: 0.43%
Net charge-offs: 0.55%
Loan-to-share: 96.0%
Net interest margin: 4.59%
Efficiency ratio: 112.4%

See SANTA CRUZ Community's full financial profile on Bramble Data →

Source: NCUA Call Report, 2025-Q4. Figures are as reported by the credit union.

Corrections & updates

What's changed since publication

This story was published May 26, 2026. There are no corrections or updates at this time. Errors are logged on the public corrections log, dated. The original text is not silently rewritten.

Newsroom

CU Wire Staff

The Credit Union Wire staff byline is used for newsroom-produced reporting and analysis that has passed editorial review and source verification.

Tips on this story · info@thecreditunionwire.com

Credit unions in this story

SANTA CRUZ Community

CA · $176M assets · 15K members

Republish

This story is free to republish.

The Credit Union Wire publishes under Creative Commons BY-NC. You may republish this story in print or online, in full or in excerpt, provided you credit "The Credit Union Wire" with a link back to the original, and do not modify the body or run it adjacent to advertising for any party covered by the story.