SANTA CRUZ COMMUNITY
Charter #64029 · Santa Cruz, CA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.74% sits at the 2nd percentile of structural peers — worth a closer look.
- Net interest margin of 4.63% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.86% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.40% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 104.59% sits at the 93rd percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | SANTA CRUZ COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $174.35M | 41th pct | 34th pct |
| Members | 14,639 | 57th pct | 62th pct |
| Net worth ratio | 10.67% | 38th pct | 64th pct |
| Return on average assets | -0.74% | 2th pct | 2th pct |
| Net interest margin | 4.63% | 92th pct | 92th pct |
| Cost of funds | 0.86% | 31th pct | 18th pct |
| Loan-to-share | 92.77% | 93th pct | 82th pct |
| Delinquency 60+ days | 0.40% | 31th pct | 21th pct |
| Net charge-off ratio | 0.50% | 65th pct | 67th pct |
| Loan growth YoY | -2.01% | 25th pct | 20th pct |
| Share growth YoY | -2.87% | 1th pct | 0th pct |
| Efficiency ratio | 104.59% | 98th pct | 93th pct |
structural peer set hash: 5c254918c7e1cce08e66e4eaf7d82dc8… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.