Santa Cruz Community Credit Union (64029), a $179.2M credit union headquartered in Santa Cruz, CA, led by CEO Carr, reported 14,439 members at the end of 2025 Q3, a decrease of 227 members (-1.5%) compared to the same quarter last year.
Membership decline may reflect competitive pressure, field of membership constraints, or strategic focus on member quality over quantity.
Per-Member Economics
Santa Cruz Community Credit Union's 14,439 members maintain an average of $11K in deposits and $10K in loans. Both metrics moving in tandem reflects balanced growth across acquisition and engagement.
Membership Trends
Recent membership trends warrant strategic review of acquisition channels and member value proposition.
Quarterly Membership Trend
| Period | Members | QoQ Change | Assets/Member |
|---|---|---|---|
| 2024 Q2 | 15,232 | $12K | |
| 2024 Q3 | 14,666 | -3.7% | $13K |
| 2024 Q4 | 14,793 | +0.9% | $13K |
| 2025 Q1 | 14,845 | +0.4% | $13K |
| 2025 Q2 | 14,556 | -1.9% | $12K |
| 2025 Q3 | 14,439 | -0.8% | $12K |
Source: NCUA 5300 Call Reports
Field of Membership Penetration
Santa Cruz Community Credit Union has a defined field of membership comprising 767,816 potential members. With 14,439 current members, the credit union achieves a 1.9% penetration rate, representing significant untapped growth potential.
Historical Context: Since the 2008 Crisis
Santa Cruz Community Credit Union's membership has grown 58% since Q3 2008, when the financial crisis peaked. At that time, the credit union served 9,126 members.
This sustained membership expansion reflects successful community engagement and competitive positioning over nearly two decades.
Peer Comparison
Among 872 credit unions in its $89.6M–$268.8M asset peer group, Santa Cruz Community Credit Union ranks in the 34th percentile for membership growth.
Outlook
Santa Cruz Community Credit Union's membership trajectory will depend on its ability to differentiate through service quality, digital capabilities, and community engagement in an increasingly competitive landscape.
Santa Cruz Community Credit Union's Q4 2025 results, expected in early 2026, will provide further insight into whether the credit union can stabilize and reverse membership trends.
Track This Credit Union
Monitor Santa Cruz Community Credit Union's quarterly membership trends, per-member economics, and engagement metrics with Finleet Terminal.
Data Sources: NCUA 5300 Call Reports (2025_Q3), NCUA Historical Data (2007-present), Finleet Proprietary Analysis
Methodology: Year-over-year growth calculated comparing 2025_Q3 to same quarter prior year. Peer groups defined as credit unions within 50% asset range. Per-member metrics calculated by dividing totals by member count.