CU Explorer
Credit unions · California · Q2 2026

Santa CRUZ Community CU

Credit union in Santa Cruz, CA · NCUA charter #64029 · State charter (federally insured)

Legal name: Santa CRUZ Community

Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.

Total assets$172M
Total loans & leases$139M
Total shares & deposits$149M
Members14,780
Net worth$18.2M
Net worth / assets10.56%
Loans / assets80.75%
Return on assets (annualized)−1.00%
Loan growth (YoY)−1.03%
Member growth (YoY)1.52%
Delinquency, all loans (60+ days)0.52%
CharterState charter (federally insured)
Asset band$50M–$250M
NCUA peer group$100M–$500M
Sponsor typeCommunity (inferred from the name)

AI readiness

No public evidence

Nothing public says the credit union uses AI.

No public evidence found as of 2026-09-22. Checked: its website, announcements by AI vendors, news search. Absence of evidence is not evidence of absence; a credit union may use AI without saying so publicly.

Filed signals, from the credit union's own NCUA call report (Q2 2026): uses fintech partners, fintech auto lending, fintech mortgage lending, fintech secured lending, fintech unsecured lending, online loan application, online loan payments, bill payment, account aggregation, e-signature, e-Statements, external transfers / ACH, remote deposit capture, mobile payments. These are relationships and channels, not AI as such.

The AI Score runs from one to five stars; one star, no public evidence, is never shown on a credit union. Scores and sources for every credit union: CU AI Ready Report.

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