Sep, 30, 2025 — SANTA CLARA COUNTY FEDERAL CREDIT UNION is a federal credit union headquartered in SAN JOSE, CA with 7 branch locations and about $982.70 million in total assets. Opened 76 years ago in 1950, SANTA CLARA COUNTY FEDERAL CREDIT UNION has about 47,949 members and employs 136 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | SANTA CLARA COUNTY FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 2099 Gateway Pl Ste 140 SAN JOSE, CA 95110 |
| Phone: | (408) 282-0700 |
| Fax: | |
| Website: | https://www.mirastarfcu.org |
| Branches: | 7 branch locations |
| Members: | 47,949 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 24299 |
|---|---|
| Membership Type: | Multiple common bond - Primarily federal, state, local government |
| Corporate Credit Union: | No |
| Year Opened: | 1950 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $982,701,845 |
| CEO/Manager: | Rebecca Reynolds Lytle |
| Chairperson: | Traci Hess |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 59,968,120 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 370,438,645 |
| Unsecured Loans | 53,618,528 |
| Other Loans | 151,265,901 |
| TOTAL LOANS | 575,323,074 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -5,102,785 |
| Land And Building | 0 |
| Other Fixed Assets | 3,666,007 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 7,957,956 |
| All Other Assets | 250,395 |
| TOTAL ASSETS | 982,701,845 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 13,382,671 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 201,600,239 |
| Regular shares | 328,271,457 |
| All Other Shares & Deposits | 358,881,746 |
| TOTAL SHARES & DEPOSITS | 888,753,440 |
| TOTAL LIABILITIES | 902,136,111 |
| Regular Reserve | 0 |
| Other Reserves | -17,993,307 |
| Undivided Earnings | 98,559,041 |
| TOTAL EQUITY | 80,565,734 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 982,701,845 |
| INCOME & EXPENSE | |
| Loan Income | 24,090,444 |
| Investment Income | 10,814,986 |
| Other Income | 1,966,763 |
| Total Employee Compensation & Benefits | 16,639,683 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 10,846,191 |
| Non-operating Income & (Expense) | -21 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 3,450,000 |
| Cost of Funds | 6,427,741 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 3,124,649 |
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