# SANTA CRUZ COMMUNITY
Santa Cruz, CA · NCUA charter 64029 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/santa-cruz-community-64029

Who the members are: state charter, organized 1977, low-income designated. 14,639 members of 767,816 potential (1.9% of the field); checking penetration 37% (share draft accounts per 100 members); loans per 100 members 46.

**Verdict on the desk:** this could be *ordinary*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $174.3M |
| Members | 14,639 (-1.4% YoY) |
| Full-time staff | 46 |
| Net worth | $18.6M |
| Net worth ratio | 10.7% (p36 of band) |
| ROA (annualized) | -0.74% (p3 of band) |
| Total delinquency | 0.40% (p31 of band) |
| Net charge-offs (annualized) | 0.51% (p68 of band) |
| Loans / shares | 93% (p95 of band) |
| Cash / assets | 9.8% |
| Borrowings / assets | 0.80% |
| Net interest margin | 4.65% (p90 of band) |
| Operating expense / assets | 5.95% (p96 of band) |
| Vehicles % of loans | 23% (p25 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 55% |
| Third-party paper % of net worth | 96% (p69 of band) |
| Vehicle delinquency | 1.18% (p78 of band) |
| Vehicle NCO | 1.29% (p81 of band) |
| Repossessed % of vehicle book | 0.22% (p87 of band) |
| Real estate % of loans | 55% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 107% |
| Core shares % of member funds | 71% |
| Certificates % of member funds | 21% |
| Average share balance | $6,764 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $206,913 |
| Loans outstanding per 100 members | 46% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $20,695 |
| Loans granted, annualized | $29.7M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $206,913 outstanding purchased (1.1% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares -7.7% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | thin capital, expense trap, delinquency 2x band, 3rd-party paper>100% NW |  |
| 2016-06 | 4 |  |  |
| 2016-09 | 4 |  |  |
| 2016-12 | 4 | repo signal | thin capital |
| 2017-03 | 6 | thin capital, charge-offs p90 |  |
| 2017-06 | 7 | delinquency rising |  |
| 2017-09 | 7 |  |  |
| 2017-12 | 5 |  | delinquency 2x band, delinquency rising |
| 2018-03 | 8 | net worth falling, losing money, delinquency 2x band |  |
| 2018-06 | 4 |  | repo signal, charge-offs p90, losing money, delinquency 2x band |
| 2018-09 | 4 | repo signal | net worth falling |
| 2018-12 | 3 |  | repo signal |
| 2019-03 | 4 | delinquency 2x band, delinquency rising | 3rd-party paper>100% NW |
| 2019-06 | 3 | repo signal | delinquency 2x band, delinquency rising |
| 2019-09 | 2 |  | repo signal |
| 2019-12 | 3 | loans>95% of shares |  |
| 2020-03 | 2 |  | loans>95% of shares |
| 2020-06 | 4 | net worth falling, margin squeeze |  |
| 2020-09 | 5 | delinquency 2x band, delinquency rising | expense trap |
| 2020-12 | 5 |  |  |
| 2021-03 | 10 | capital below 7%, expense trap, charge-offs p90, 3rd-party paper>100% NW |  |
| 2021-06 | 5 |  | net worth falling, margin squeeze, capital below 7%, charge-offs p90 |
| 2021-09 | 3 |  | delinquency 2x band, delinquency rising |
| 2021-12 | 5 | delinquency 2x band, repo signal |  |
| 2022-03 | 4 | delinquency rising | thin capital, repo signal |
| 2022-06 | 5 | charge-offs p90, loans>95% of shares | delinquency rising |
| 2022-09 | 5 | repo signal | loans>95% of shares |
| 2022-12 | 6 | net worth falling, loans>95% of shares | delinquency 2x band |
| 2023-03 | 3 |  | charge-offs p90, repo signal, loans>95% of shares |
| 2023-06 | 2 |  | net worth falling |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 5 | losing money, delinquency rising, assets shrinking |  |
| 2024-06 | 2 |  | losing money, delinquency rising, assets shrinking |
| 2024-09 | 4 | repo signal, assets shrinking |  |
| 2024-12 | 3 |  | assets shrinking |
| 2025-03 | 4 | losing money, delinquency rising | repo signal |
| 2025-06 | 4 | assets shrinking, members leaving | 3rd-party paper>100% NW, delinquency rising |
| 2025-09 | 3 |  | members leaving |
| 2025-12 | 5 | net worth falling, loans>95% of shares |  |
| 2026-03 | 4 |  | loans>95% of shares |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-13 [Clarke Dixon-Moses Obituary - Santa Rosa, CA (1945-2026) - Santa Cruz Sentinel](https://news.google.com/rss/articles/CBMigwFBVV95cUxQWUhnbzBDazM4QTM2cHJYYVlNZ1I3T0N1RTNBNE5RSEs4LWZBN1BkVkhlWVlfVzZUZXBPelUtVTZjbUdZT2hRQ0lfREoxV0dZb3hmVVBPRzBQZ2RhM3F0QnhnOEdJM1lLbFROR2JVQXdnRGtsODhRdF9KMXZpNVZMRWJ4bw?oc=5) · Santa Cruz Sentinel
- 2022-09-22 [SC Community Credit Union finds new downtown home as Cruz Hotel project faces new challenges - lookout.co](https://news.google.com/rss/articles/CBMi4gFBVV95cUxNc0QyLTc1elpXczVhRHFfN1BCSFMzN0dZT3ZubS1jbmZ2R1U1bWtQV0d2Z2NLczVDeXF2N3E0c05ZOUlfV29GVTEwdjJOMFVtbzZfS0g1NHRpZS01R1RhRFBSVHV2TU9vTGlyZjd3dDRRTlZsZ1hZWW53cHRnTjNUczJJTk4tYWpEZHRhZzQyZ1ZsYzFpa2s5dG9JMFlXYzgzWXl1UGRudnFLdGx6TEpRT3NweDNPazRuVTUwUnBGaVB0Tk9wZ3BNWkJSOC1MMHd4STZ4NndMX2NvM1cyMEN6ZHRn?oc=5) · lookout.co
- 2026-02-26 [Photos | Celebrating belonging at ‘Elevate LGBTQ+ Workplace Inclusion’ - Santa Cruz Sentinel](https://news.google.com/rss/articles/CBMisAFBVV95cUxQNG1DbnBldVVPV0hWai05eE9oYlVETUhEUDJjNUZvc2FWNXA3M1JhUGlXN0RabzdRZm80dXZnc0h4c2lyTTR4amZSQjctVTMwaW5IbEc3Wl9DOG1RWWxfMXBCRUdnUS1xRU5VcDZDR3Y3NS1ydnlKTllpc0doTThkRlFjVk9RWXV5U2pGc2tjejJjTkFMYXlXbEJxRjFLSzEwYXFGV2JMeDZGcW5vMHpjOA?oc=5) · Santa Cruz Sentinel
- 2024-03-26 [Downtown Santa Cruz hotel approved by city council - Santa Cruz Local](https://news.google.com/rss/articles/CBMikwFBVV95cUxPcmNqZFNId19VSVhmNWNvQ1c2V0ZvQkFaenM0NHJWR3p3VHd0M3lpSVgwdVFSSHhSakVoemRwTThWVWpiUkJsYUtMckliTWRiRWpseWVsM1IzSVNiTks1dDRobEhtMWtXQlgwSlVjSlE2VVpSV3RMZThzNzNlYldmUVZncXZxSVZEb1BSNERRRHVpVUU?oc=5) · Santa Cruz Local
- 2025-10-06 [Educational Partnership Center awarded $18.33 million in federal GEAR UP grants - UC Santa Cruz - News](https://news.google.com/rss/articles/CBMi0AFBVV95cUxPZko5cS05cXlFN3Y2TzRSWmZfZEc1SmdKZUxfR3RtbFRmZ0ZIZXVnLTZsNHVkeDlyY3RoU1RQbEVMaXJ0MTVQOVFZNUh3dEh3X1dyTU9MQ29iZmxEOWwzdXZTV0g2R0F6b1IzTmI3bDlXZ1ZvMTU2TnowaXRFUVNvV21tcUxWMkpZT0M1ZmFmbXBrcTVzbjBpWldVZDAxZUNyX0QxdkZrVnJMeThxaXlrT0QzODJPRTlPY0dDbDF1eVY0akdmeklwVGU5YVVLY3N0?oc=5) · UC Santa Cruz - News
- 2025-03-28 [City of Santa Cruz Appoints Bonnie Lipscomb as Deputy City Manager - eventsantacruz.com](https://news.google.com/rss/articles/CBMinwFBVV95cUxQREhLNnRkckpzNnJUUWVETUZqZEhfQkp0azhYLU1EMVIwYWxXdS1OdzYxQWFocm5vZHBWcmF2UzlCS2dvaEZtTlFHclFaUlUxcy1uemNTWWkwc0xNZjhGeTlVTTF1N2dvUUNPNGVyU2Qydnc4RE5ScF8tbDF4dlhyMVlXQWVWQUNMQi02TUhjYVlTVktTaWx4WUhrYzRTdjA?oc=5) · eventsantacruz.com
- 2025-04-21 [Pajaro Valley Chamber of Commerce & Agriculture announces 2025 Awards - The Pajaronian | Watsonville, CA](https://news.google.com/rss/articles/CBMilgFBVV95cUxPSDlJSUVELUlCTVZ3aFdUdDZPTV9UQ1RrSXhxRUZRWEE0cFhiUHRIY01TUHJNbERobWxsbF92OExSVGxoZzNLeE5uRjdobUhIaFlrTTQ5aS1HTHNqb2taLV9XMnh5UGQ5bHhRV0NfV0psQy10eGViZEQ2YVFlWnpOb3l0dDJmRmlJSFVDQzVpSVRKMkZWWEE?oc=5) · The Pajaronian | Watsonville, CA
- 2025-03-26 [Best of Santa Cruz County 2025: Services - Good Times | Santa Cruz California's Leading Free Weekly](https://news.google.com/rss/articles/CBMibEFVX3lxTE9DaGhZNHIxckdVQUdzRmx6VU1uTWE3M1JjUnNxWUIwNmh4aUtXMW05U2lGTjQwT3RwSjUzMXF0SFBEMnZ5WVpybkNaWnFLdkIxMXB1bVFUTm9vdWVrbXE0N3VYVnZNTHVDTzNmbA?oc=5) · Good Times | Santa Cruz California's Leading Free Weekly

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=64029 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/29.json (key "64029", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=64029
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide