PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Santa Cruz Community

Santa Cruz, CA · Charter 64029

NCUA · 3 branches

Q2 2026

$172.1MAssets
$139.0MLoans
$148.7MShares
$18.2MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -1.00%, down 46 bps year over year; NIM at 4.73%.
  • Asset quality: problem loans at 0.52% of loans (+13 bps YoY).
  • Capital: net worth / assets of 10.56%, down 44 bps from a year ago.
  • Funding: loans stand at 93.48% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-1.00%-46 bps YoY

Net Interest Margin (YTD, annualized)

4.73%+38 bps YoY

Efficiency Ratio (YTD, annualized)

106.06%-154 bps YoY

Net Worth / Assets

10.56%-44 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.54%-0.68%-0.68%-0.74%-1.00%-46 bps
Return on Equity-4.93%-6.21%-6.32%-6.94%-9.48%-455 bps
Net Interest Margin4.35%4.48%4.59%4.65%4.73%+38 bps
Efficiency Ratio107.59%106.40%106.78%104.59%106.06%-154 bps
Growth
Asset Growth (YoY)-4.16%-4.72%-5.38%-7.32%-5.00%-84 bps
Loan Growth (YoY)-4.82%-3.13%-3.36%-2.21%-1.03%+378 bps
Share Growth (YoY)-3.79%-4.10%-8.03%-7.66%-4.44%-66 bps
Asset Quality
Delinquent Loans / Loans0.39%0.31%0.44%0.40%0.52%+13 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.00%10.88%10.81%10.67%10.56%-44 bps
Net Worth / Assets11.00%10.88%10.81%10.67%10.56%-44 bps
Liquidity & Funding
Loans / Shares90.26%91.96%95.95%92.77%93.48%+322 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps