Santa Cruz Community Credit Union
A cooperative, organized for the purpose of promoting thrift and savings among its members, creating a source of credit for them at rates of interest set by the board of directors, and providing an opportunity for them to use and control their own money on a democratic basis in order to improve their economic and social conditions. As a cooperative, Santa Cruz Community Credit Union conducts its business for the mutual benefit and general welfare of its members with the earnings, savings, benefits, or services of the credit union being distributed to its members as patrons. Santa Cruz Community Credit Union serves the community as a certified cdfi and low income credit union, ensuring that through economic justice measures, all people receive assistance to improve their lives.
Santa Cruz Community Credit Union at a glance
In short: Santa Cruz Community Credit Union gave $20K across 2 grants in 2024 (avg $10K), mostly in California. Source: 2024 IRS Form 990.
- Annual giving (2024)
- $20,167
- +9.0% vs 2023
- Grants made (2024)
- 2
- +0.0% vs 2023
- Average grant
- $10,084
- +9.0% vs 2023
- Median grant
- $10,084
- Total assets
- $186,167,119
- -3.0% vs 2023
- Primary geography
- California (100% of itemized 2024 grant dollars)
- Latest 990 filing
- Form 990, 2024 View filing
Data from IRS Form 990, 2024; updated September 2026.
Who Santa Cruz Community Credit Union funds
How this funder distributes its grants
Top Recipients
Top 2 recipients in 2024
The largest 2024 recipient was Seniors Council of Santa Cruz and San Benito Counties ($15K). Together the top 2 received $20K.
Grant Size Distribution
23 grants across all recorded years
The most common grant size was under $50K: 23 grants of 23 (100%).
Geographic Focus
Where this funder awards grants
Grant Distribution by State
Share of 2024 grant dollars across all 2 itemized grants.
States
Cities
How Santa Cruz Community Credit Union gives
- Giving fell 77% from 2021 to 2024. Method
From the foundation's IRS Form 990 filings. Methodology.
Giving History
Giving Over Time
Total grant dollars and number of grants per year
From 2020 to 2024, annual grant giving ranged from $19K (2023) to $89K (2021). In 2024 it made 2 grants totaling $20K.
Grants by year
Grant recipients and amounts by year
| Recipient | Purpose | Amount |
|---|---|---|
| Seniors Council of Santa Cruz and San Benito Counties Aptos, CA | To provide services to seniors in the counties of santa cruz and san benito. | $15,000 |
| Pajaro Valley Shelter Services Watsonville, CA | To assist homeless women, children, and families obtain stable housing through temporary shelter and services. | $5,167 |
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Financial History
Multi-year comparison from IRS filings
| Filing year | Total Assets | Revenue | Expenses | Grants paid | Grants | Net Investment Income |
|---|---|---|---|---|---|---|
| 2024 | $186,167,119 | $15,151,619 | $14,234,197 | $20,167 | 2 | $760,489 |
| 2023 | $191,939,988 | $13,363,100 | $12,403,594 | $18,500 | 2 | $674,670 |
| 2022 | $188,657,258 | $14,177,074 | $11,593,769 | $40,250 | 5 | $2,306,076 |
| 2021 | $184,280,638 | $11,384,575 | $8,661,141 | $89,093 | 8 | $1,195,813 |
| 2020 | $171,047,166 | $9,290,078 | $7,710,466 | $58,432 | 6 | $98,205 |
About Santa Cruz Community Credit Union
Based on IRS filings
Santa Cruz Community Credit Union is a public charity, based in Santa Cruz, CA. IRS filing data is available from 2020 through 2024. As of 2024, the organization holds $186.2M in total assets. In 2024, it awarded 2 grants totaling $20K. Net investment income was $760K.
Leadership & Key People
Officers and directors from IRS filings
Santa Cruz Community Credit Union is led by Elizabeth Carr, CEO on every filing since 2020; 10 of 21 officers listed in 2024 are compensated.
Officers on the 2024 filing
Elizabeth Carr
CEO
On filings since 2020
40 hrs/week
$367K (2020) → $314K (2024)
Linda Brown
Supv Cmte Chair
On filings since 2020
1 hr/week
No compensation reported
Matt Farrell
Chairman
Board Member → Chairman, 2023
On filings since 2020
1 hr/week
No compensation reported
Jesus Berumen
Director of Consumer Real Estate
On filings since 2022
40 hrs/week
$107K (2022) → $141K (2024)
Laura Owen
Director of Committee Outreach Learn
On filings since 2023
40 hrs/week
$120K (2023) → $120K (2024)
Charlotte Eggleston
Director of E Services
New on the 2024 filing
40 hrs/week
$111K (2024)
Edward Cross Jr.
CIO
CIO → Core Application Architect, 2023
Core Application Architect → CIO, 2024
On filings since 2020
40 hrs/week
$149K (2020) → $162K (2024)
Katie Fairbairn
CAO
Chief Experience Officer → Cxo, 2023
Cxo → CAO, 2024
On filings since 2021
40 hrs/week
$141K (2021) → $203K (2024)
Sylvia O. Sanchez
CFO
Bsa & Compliance Manager → CFO, 2024
On filings since 2021
40 hrs/week
$102K (2021) → $107K (2024)
Paul Barenfus
Clo
On filings since 2022
40 hrs/week
$103K (2022) → $195K (2024)
Joseph L. Coffman
CTO
On filings since 2023
40 hrs/week
$159K (2023) → $177K (2024)
Cynthia Lopez
Bsa & Compliance Manager
New on the 2024 filing
40 hrs/week
$102K (2024)
Ami Ebright
Board Member
On filings since 2020
1 hr/week
No compensation reported
Suzanne Maclean
Supv Cmte Member
On filings since 2020
1 hr/week
No compensation reported
Tammy Pelstring
Board Treasurer
Board Member → Board Treasurer, 2023
On filings since 2020
1 hr/week
No compensation reported
Chuck Hahn
Supv Cmte Member
On filings since 2023
1 hr/week
No compensation reported
Ned Van Valkenburgh
Board Member
On filings since 2023
1 hr/week
No compensation reported
Paz Padilla
Board Secretary
Board Member → Board Secretary, 2024
On filings since 2023
1 hr/week
No compensation reported
Sylvia Reyes
Board Member
On filings since 2023
1 hr/week
No compensation reported
Elaine Johnson
Board Member
New on the 2024 filing
1 hr/week
No compensation reported
Jessica Lenth
Board Member
New on the 2024 filing
1 hr/week
No compensation reported
Former officers (17)
- Former: Howard Sherer (2020–2023) — Board Secretary
- Former: Annie Song Former (2022–2023) — CFO
- Former: Alicia Kretsch Former (2023) — Commercial Lending Manager
- Former: Bonnie Lipscomb (2023) — Associate
- Former: Everado Munoz Former (2023) — COO
- Former: Julie Jaquith Former (2023) — Credit Support Manager
- Former: Lillianne Dykstra Former (2023) — Senior Applications Administrator
- Former: Paulina Moreno (2020–2022) — Board Secretary
- Former: Phillip Lee (2020–2022) — Board Treasurer
- Former: Richard Cooper (2020–2022) — Executive Vice President
- Former: Ulf Christensson (2020–2022) — Supv Cmte Member
- Former: Erendira Guerrero (2021–2022) — Board Member
- Former: Everado Munoz (2022) — COO
- Former: Genaro De La Torre (2022) — Senior Credit Support Service
- Former: Annie Song (2020–2021) — CFO
- Former: Brian Ogle (2020–2021) — Director Commercial & Re Lending
- Former: Richard Cooper Former (2021) — Executive Vice President
Data from IRS Form 990 filings, 2020–2024. "On filings since" is the earliest filing we hold that lists the person; hours are average hours per week as reported.
Compensation Overview
From 2024 IRS filing
The highest reported compensation on the 2024 filing was $314K, to Elizabeth Carr (CEO). 10 officers or directors reported compensation on that filing.
Frequently asked questions about Santa Cruz Community Credit Union
How much does Santa Cruz Community Credit Union give each year?
Santa Cruz Community Credit Union gave $20K across 2 grants in 2024, according to its 2024 IRS Form 990. In 2023 it gave $19K across 2 grants.
How large is Santa Cruz Community Credit Union?
Santa Cruz Community Credit Union reported $186.2M in total assets on its 2024 IRS Form 990. Its revenue that year was $15.2M.
Where does Santa Cruz Community Credit Union operate?
Santa Cruz Community Credit Union has awarded grants in California, Michigan.
What is Santa Cruz Community Credit Union's EIN?
Santa Cruz Community Credit Union's EIN (Employer Identification Number) is 94-2407726. IRS Form 990 filing data is available on this page for 2020–2024.
Data last updated September 2026. Sourced from IRS Form 990 filings.
Data update history
(6)
When this profile's IRS filing data changed on Grantable
- Updated Form 990 for fiscal year 2020 (received by the IRS November 3, 2021)
- Updated Form 990 for fiscal year 2021 (received by the IRS November 2, 2022)
- Updated Form 990 for fiscal year 2022 (received by the IRS November 6, 2023)
- Updated Form 990 for fiscal year 2023 (received by the IRS November 8, 2024)
- Updated Form 990 for fiscal year 2024 (received by the IRS October 30, 2025)
- IRS filings on file for fiscal years 2020–2024
Explore Open Grants
Browse active grant opportunities in Santa Cruz Community Credit Union's focus areas in our free grants database
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Santa Cruz Community Credit Union down — hundreds of funders to go?