Santa Cruz Community Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.9 on a scale of 0 to 10).
Other Rating Factors:
A current level of 4.6 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.3). Excellent current capitalization (7.7 on a scale of 0 to 10) based on a net capital to total assets of 10.0 and a net worth ratio of 10.8.
Asset Mix:
Home mtgs (38%), consumer loans (23%), comm loans (11%), securities (2%), other (26%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
55 River Street
Santa Cruz, CA 95060
Santa Cruz, CA 95060
Phone Number
(831) 425-7708
NCUA Charter Number
Website
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