SANTA CRUZ COMMUNITY
Charter #64029 | CA
100M-500M
(1077 CUs)
Micro
($0-$500M)
63 100M-500M in CA
SANTA CRUZ COMMUNITY has 1 strength but faces 13 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.87% above tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 6.5% in tier
- - Efficiency Drag: Bottom 9.0% in tier
- - Accelerating Exit Risk: Bottom 11.5% in tier
- - Shrinking Wallet Share: Bottom 14.7% in tier
- - Capital Constraint: Bottom 16.1% in tier
- - Membership Headwinds: Bottom 23.0% in tier
- - Institutional Decline: Bottom 26.2% in tier
- - Liquidity Strain: Bottom 31.9% in tier
- - Stagnation Risk: Bottom 32.6% in tier
- - ROA 1.46% below tier average
- - Efficiency ratio 29.12% above tier (higher cost structure)
- - Asset Growth Rate: Bottom 4.0% in tier
- - Deposit Growth Rate: Bottom 4.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
14,439
-1.5% YoY-0.8% QoQ
|
-1.2K |
15,628
-3.4% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
55th in tier |
| Assets |
$179.2M
-4.7% YoY-1.1% QoQ
|
$-52.1M |
$231.3M
-0.0% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
43rd in tier |
| Loans |
$142.3M
-3.1% YoY+1.3% QoQ
|
$-5.5M |
$147.8M
-1.4% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
57th in tier |
| Deposits |
$154.7M
-4.1% YoY-0.6% QoQ
|
$-45.6M |
$200.3M
-0.0% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
43rd in tier |
| ROA |
-0.7%
-237.0% YoY+26.4% QoQ
|
-1.5% |
0.8%
+15.5% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 1.6% in tier |
| NIM |
4.5%
+7.6% YoY+4.5% QoQ
|
+0.9% |
3.6%
+6.9% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
Top 10.5% in tier |
| Efficiency Ratio |
106.4%
+20.6% YoY-1.1% QoQ
|
+29.1% |
77.3%
-3.0% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 1.1% in tier |
| Delinquency Rate |
0.3%
-49.2% YoY-18.8% QoQ
|
-0.5 |
0.9%
+7.6% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
Bottom 19.3% in tier |
| Loan To Share |
92.0%
+1.0% YoY+1.9% QoQ
|
+19.3% |
72.7%
-1.5% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
Top 12.1% in tier |
| AMR |
$20,566
-2.1% YoY+1.1% QoQ
|
$-4K |
$24,363
+2.9% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
39th in tier |
| CD Concentration |
20.4%
-4.6% YoY-6.5% QoQ
|
-4.0% |
24.4%
+4.2% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % |
12.8%
-20.1% YoY-8.1% QoQ
|
-1.2% |
14.0%
-5.8% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (9)
Deposit Outflow
decline
#39 of 114 • Bottom 6.5% in tier
Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.
Why This Signature
Deposit Growth (YoY):
-4.10%
(Tier:
4.79%, National:
12.00%)
Total Assets:
$179.23M
(Tier: $231.30M, National: $547.69M)
114 of 1077 Community CUs have this signature
| 143 nationally
↓ Shrinking
-169 CUs YoY
|
New qualifier
Efficiency Drag
risk
#160 of 521 • Bottom 9.0% in tier
High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Why This Signature
Efficiency Ratio:
106.40%
(Tier:
77.15%, National:
79.10%)
ROA Change (YoY):
-1.16% points
(Tier:
0.11% points, National:
0.05% points)
Member Growth (YoY):
-1.55%
(Tier:
0.88%, National:
9.37%)
521 of 1077 Community CUs have this signature
| 624 nationally
↓ Shrinking
-113 CUs YoY
|
Rank worsening
Accelerating Exit Risk
decline
#31 of 58 • Bottom 11.5% in tier
Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Why This Signature
Member Growth (YoY):
-1.55%
(Tier:
0.88%, National:
9.37%)
AMR Growth (YoY):
-2.12%
(Tier:
3.68%, National:
4.19%)
58 of 1077 Community CUs have this signature
| 73 nationally
↓ Shrinking
-89 CUs YoY
|
New qualifier
Shrinking Wallet Share
decline
#147 of 244 • Bottom 14.7% in tier
Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Why This Signature
AMR Growth (YoY):
-2.12%
(Tier:
3.68%, National:
4.19%)
244 of 1077 Community CUs have this signature
| 346 nationally
↓ Shrinking
-221 CUs YoY
|
New qualifier
Capital Constraint
risk
#15 of 18 • Bottom 16.1% in tier
Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.
Why This Signature
Loan-to-Share Ratio:
91.96%
(Tier:
74.56%, National:
67.96%)
Deposit Growth (YoY):
-4.10%
(Tier:
4.79%, National:
12.00%)
Net Worth Ratio:
10.87%
(Tier:
11.95%, National:
14.51%)
18 of 1077 Community CUs have this signature
| 29 nationally
↓ Shrinking
-33 CUs YoY
|
New qualifier
Membership Headwinds
decline
#380 of 550 • Bottom 23.0% in tier
Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Why This Signature
Member Growth (YoY):
-1.55%
(Tier:
0.88%, National:
9.37%)
550 of 1077 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
Rank worsening
Institutional Decline
decline
#207 of 256 • Bottom 26.2% in tier
Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Why This Signature
Total Assets:
$179.23M
(Tier: $231.30M, National: $547.69M)
Member Growth (YoY):
-1.55%
(Tier:
0.88%, National:
9.37%)
Loan Growth (YoY):
-3.13%
(Tier:
3.64%, National:
36.38%)
256 of 1077 Community CUs have this signature
| 293 nationally
↓ Shrinking
-43 CUs YoY
|
Rank worsening
Liquidity Strain
risk
#248 of 258 • Bottom 31.9% in tier
Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Why This Signature
Loan-to-Share Ratio:
91.96%
(Tier:
74.56%, National:
67.96%)
Loan Growth (YoY):
-3.13%
(Tier:
3.64%, National:
36.38%)
258 of 1077 Community CUs have this signature
| 484 nationally
↓ Shrinking
-28 CUs YoY
Stagnation Risk
risk
#538 of 550 • Bottom 32.6% in tier
Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.
Why This Signature
Return on Assets:
-0.67%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
-1.55%
(Tier:
0.88%, National:
9.37%)
Avg Member Relationship:
$20.6K
(Tier: $25.0K, National: $19.4K)
CD Concentration:
20.36%
(Tier:
24.41%, National:
19.60%)
550 of 1077 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
Rank worsening
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (3 metrics)
113
Net Interest Margin (NIM)
profitability
Value:
4.46%
Peer Avg: 3.58%
#113 of 1077
Top 10.4% in 100M-500M tier
130
Loan-to-Share Ratio
balance_sheet
Value:
91.96%
Peer Avg: 72.70%
#130 of 1077
Top 12.0% in 100M-500M tier
209
Total Delinquency Rate (60+ days)
risk
Value:
0.31%
Peer Avg: 0.86%
#209 of 1077
Top 19.3% in 100M-500M tier
Top Weaknesses (7 metrics)
1066
Efficiency Ratio
profitability
Value:
106.40%
Peer Avg: 77.28%
#1066 of 1077
Bottom 1.1% in 100M-500M tier
1060
Return on Assets (ROA)
profitability
Value:
-0.67%
Peer Avg: 0.79%
#1060 of 1077
Bottom 1.7% in 100M-500M tier
1035
Asset Growth Rate
growth
Value:
-4.72%
Peer Avg: 4.70%
#1035 of 1077
Bottom 4.0% in 100M-500M tier
1032
Deposit Growth Rate
growth
Value:
-4.10%
Peer Avg: 4.69%
#1032 of 1077
Bottom 4.3% in 100M-500M tier
960
AMR Growth Rate
growth
Value:
-2.12%
Peer Avg: 3.64%
#960 of 1077
Bottom 11.0% in 100M-500M tier
909
First Mortgage Concentration (%)
balance_sheet
Value:
48.00%
Peer Avg: 30.43%
#909 of 1077
Bottom 15.7% in 100M-500M tier
868
Loan Growth Rate
growth
Value:
-3.13%
Peer Avg: 3.45%
#868 of 1077
Bottom 19.5% in 100M-500M tier