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SANTA CRUZ COMMUNITY CREDIT UNION

Dec, 31, 2023 — SANTA CRUZ COMMUNITY CREDIT UNION is a federally insured state chartered credit union headquartered in SANTA CRUZ, CA with 3 branch locations and about $191.76 million in total assets. Opened 47 years ago in 1977, SANTA CRUZ COMMUNITY CREDIT UNION has about 15,139 members and employs 53 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.


ABA Routing Number: 321180939
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://scccu.org
Branches:3 branch locations
Members:15,139
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, 2023
FHLB Member:Yes
Low Income Designation:No
Assets:$191,758,472
CEO/Manager:Beth Carr
Chairperson:Howard Sherer

Call Report

  • Credit Builder
  • First Time Homebuyer Program
  • International Remittances

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 19,058,164
TOTAL INVESTMENTS 0
Loans Held for Sale 0
 
 Real Estate Loans 88,607,005
 Unsecured Loans 6,720,447
 Other Loans 55,180,827
 TOTAL LOANS 152,096,566
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -1,532,131
 Land And Building 3,279,521
 Other Fixed Assets 5,933,130
 NCUSIF Deposit 1,471,643
 All Other Assets 0
  TOTAL ASSETS 191,758,472
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 9,496,227
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 1,500,000
 Share Drafts 44,683,287
 Regular shares 76,829,376
 All Other Shares & Deposits 41,440,664
  TOTAL SHARES & DEPOSITS 162,953,327
  TOTAL LIABILITIES 173,949,554
 Regular Reserve 0
 Other Reserves -12,409
 Undivided Earnings 17,821,327
  TOTAL EQUITY 17,808,918
  TOTAL LIABILITIES, SHARES, & EQUITY 191,758,472
INCOME & EXPENSE  
 Loan Income 8,746,683
 Investment Income 664,292
 Other Income 1,115,568
 Total Employee Compensation & Benefits 5,888,037
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 4,793,494
 Non-operating Income & (Expense) 1,903,783
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 585,544
 Cost of Funds 1,128,746
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 967,279
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