Credit union · NCUA insured
Santa Cruz Community Credit Union
A $174.3M credit union headquartered in Santa Cruz, CA, with 14,639 members and 3 branches in California. Best rates: CDs 2.94% and savings 2.02% APY.
Santa Cruz Community Credit Union Carrot Score
84
Carrot Score
Higher than 65% of U.S. banks and credit unions
#1 of 7 in Santa Cruz, CA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Santa Cruz Community Credit Union
Santa Cruz Community Credit Union officially opened its first branch in Downtown Santa Cruz on August 16, 1977, to provide credit and financial services to low- and moderate-income residents.
It is a member-owned, not-for-profit financial cooperative certified as a low-income and Community Development Financial Institution (CDFI).
The credit union operates three branches in Santa Cruz, Soquel, and Watsonville, serving residents throughout Santa Cruz, Monterey, and San Benito counties.
- Headquarters
- 55 River St, Santa Cruz, CA 95060-4568
- NCUA charter
- 64029
Branches
3 branches in California
Loading map…
California
3 branches
- Santa Cruz BranchMain office55 River St, Santa Cruz, CA 95060Directions
- Soquel Branch2750 41st Ave, Suite F, Soquel, CA 95073Directions
- Watsonville Branch590 Auto Center Dr, Watsonville, CA 95076Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.56% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.52% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | -0.99% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $93 | $76 | — |
- CapitalNet worth ratio10.56%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.52%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets-0.99%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$93Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Santa Cruz Community Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.