C
Santa Cruz Community Credit Union
Rating Date
December 2025
Net Capital
Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Santa Cruz Community Credit Union
Santa Cruz, CA
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Rating C
Asset Quality Index 9.00
Capitalization Index 7.70
Liquidity Index 2.50
Profitability Index 1.80
Stability Index 5.80
Company Info Santa Cruz Community Credit Union
Santa Cruz, CA
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NCUA Charter Number 5082
Phone Number (831) 425-7708
Website scccu.org
Asset Quality Santa Cruz Community Credit Union
Santa Cruz, CA
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1-Year Asset Growth -4.72%
5-Year Asset Growth 8.18%
5-Year Charge-Offs to Average Loans 0.43%
Charge-Offs to Average Loans 0.57%
Non-Performing Assets to Assets 0.39%
Non-Performing Loans to Capital 3.58%
Non-Performing Loans to Loans 0.31%
Balance Sheet Santa Cruz Community Credit Union
Santa Cruz, CA
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Total Assets 179.23M
Total Deposits 154.69M
Capital and Reserves Santa Cruz Community Credit Union
Santa Cruz, CA
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Capital 17.82M
Leverage Ratio 10.88
Loan Loss Reserves to Loans 0.99%
Liquidity Santa Cruz Community Credit Union
Santa Cruz, CA
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Hot Money Ratio 13.41%
Liquidity Ratio 12.79%
Profitability Santa Cruz Community Credit Union
Santa Cruz, CA
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5-Year Return on Average Assets 0.99%
Net Income -909.00K
Net Interest Spread 5.37%
Operating Profit to Average Assets -0.35%
Overhead Efficiency Ratio 106.40%
Return on Assets -0.66%
Return on Equity -6.61%