Mission Federal Credit Union
Total assets
$7.23B
▲ +5.9% YoY
Shares & deposits
$6.32B
▲ +5.6% YoY
Loans
$5.04B
▲ +5.6% YoY
Members
330,996
▲ +3.9% YoY
ROA (annualized)
0.86%
peers 0.71%
ROE (annualized)
7.15%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.9% | +5.1% | +0.8 pts |
| Share growth (YoY) | +5.6% | +4.9% | +0.7 pts |
| Loan growth (YoY) | +5.6% | +5.4% | +0.2 pts |
| ROA | 0.86% | 0.71% | +0.1 pts |
| ROE | 7.2% | 6.3% | +0.9 pts |
ROA ranks in the 63rd percentile of its peer group · Q1 2026
Profile
- Established
- 1961
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 10325 Meanley Dr, San Diego, CA, 92131
- NCUA charter #
- 14384
- RSSD ID
- 133186
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $7.23B | $6.32B | $5.04B | $867.7M | $15.5M | 0.86% | 2.45% | 0.15% | 330,996 |
| Q4 2025 | $7.16B | $6.26B | $5.00B | $852.2M | $59.7M | 0.83% | 2.37% | 0.20% | 326,941 |
| Q3 2025 | $6.98B | $6.10B | $4.94B | $843.7M | $43.1M | 0.82% | 2.40% | 0.15% | 323,250 |
| Q2 2025 | $6.87B | $6.00B | $4.83B | $829.5M | $28.9M | 0.84% | 2.40% | 0.21% | 319,026 |
| Q1 2025 | $6.83B | $5.98B | $4.77B | $812.2M | $11.6M | 0.68% | 2.29% | 0.19% | 318,716 |
| Q4 2024 | $6.61B | $5.81B | $4.66B | $800.6M | $73.2M | 1.11% | 2.31% | 0.15% | 314,763 |
| Q3 2024 | $6.58B | $5.76B | $4.58B | $794.6M | $58.8M | 1.19% | 2.32% | 0.17% | 311,684 |
| Q2 2024 | $6.57B | $5.63B | $4.54B | $780.2M | $44.4M | 1.35% | 2.32% | 0.16% | 308,595 |
Loan mix (Q1 2026): real estate $2.85B · commercial $838.3M · consumer $1.15B · securities $849.0M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.86% | 0.71% | 63th | |
Return on equity Annualized net income ÷ equity or net worth | 7.2% | 6.3% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.45% | 3.32% | 8th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.9% | 73.0% | 26th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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