Santa Cruz Community
Santa Cruz, CA · Charter 64029 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 3 branches
Q2 2026
$172.1MAssets
$139.0MLoans
$148.7MShares
$18.2MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 90% of credit unions under $1B in assets in CA (rank 6 of 63).
- Widest gap: return on equity trails 100% of credit unions under $1B in assets in CA (rank 63 of 63).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
-1.00%
Rank 63 of 63
Net Interest Margin
4.73%
Rank 6 of 63
Efficiency Ratio
106.06%
Rank 62 of 63
Equity / Assets
10.56%
Rank 32 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -1.00% | 0.17% | 0.56% | 1.17% | Beats 0% | 63 / 63 | |
| Return on Equity | -9.48% | 1.81% | 4.79% | 8.64% | Beats 0% | 63 / 63 | |
| Net Interest Margin | 4.73% | 3.18% | 3.49% | 3.98% | Beats 90% | 6 / 63 | |
| Efficiency Ratio | 106.06% | 70.58% | 81.25% | 89.21% | Beats 3% | 62 / 63 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.52% | 0.17% | 0.42% | 0.85% | Beats 44% | 36 / 62 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.56% | 8.61% | 10.56% | 14.01% | Beats 49% | 32 / 63 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.56% | 8.61% | 10.56% | 14.01% | Beats 49% | 32 / 63 | |
| Liquidity & Funding |
| Loans / Deposits | 93.48% | 53.46% | 72.75% | 85.33% | 92nd pctl | 5 / 62 | |
| Loans / Assets | 80.75% | 46.35% | 58.08% | 72.17% | 90th pctl | 6 / 63 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |