Sep, 30, 2025 — SANTA CRUZ COMMUNITY CREDIT UNION is a federally insured state chartered credit union headquartered in SANTA CRUZ, CA with 3 branch locations and about $179.23 million in total assets. Opened 49 years ago in 1977, SANTA CRUZ COMMUNITY CREDIT UNION has about 14,439 members and employs 48 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 CRUZ COMMUNITY CREDIT UNION |
|---|---|
| Address: (Main Office) | 55 River St SANTA CRUZ, CA 95060-4568 |
| Phone: | (831) 425-7708 |
| Fax: | (831) 425-4789 |
| Website: | https://www.scccu.org |
| Branches: | 3 branch locations |
| Members: | 14,439 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 64029 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1977 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $179,229,445 |
| CEO/Manager: | Beth Carr |
| Chairperson: | Elaine Johnson |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 14,849,565 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 91,324,251 |
| Unsecured Loans | 7,827,412 |
| Other Loans | 41,135,439 |
| TOTAL LOANS | 142,258,414 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -1,407,318 |
| Land And Building | 4,289,471 |
| Other Fixed Assets | 6,326,174 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 1,393,661 |
| All Other Assets | 242,677 |
| TOTAL ASSETS | 179,229,445 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 5,212,929 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 1,500,000 |
| Share Drafts | 46,577,310 |
| Regular shares | 63,483,708 |
| All Other Shares & Deposits | 44,632,469 |
| TOTAL SHARES & DEPOSITS | 154,693,487 |
| TOTAL LIABILITIES | 161,406,416 |
| Regular Reserve | 0 |
| Other Reserves | -2,076 |
| Undivided Earnings | 17,825,105 |
| TOTAL EQUITY | 17,823,029 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 179,229,445 |
| INCOME & EXPENSE | |
| Loan Income | 6,753,558 |
| Investment Income | 577,781 |
| Other Income | 771,726 |
| Total Employee Compensation & Benefits | 4,542,984 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 3,550,654 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 421,555 |
| Cost of Funds | 1,307,245 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | -908,581 |
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