San Diego County Credit Union
Total assets
$9.38B
▲ +0.8% YoY
Shares & deposits
$7.57B
▼ -1.1% YoY
Loans
$4.94B
▼ -6.5% YoY
Members
413,767
▼ -3.1% YoY
ROA (annualized)
0.50%
peers 0.71%
ROE (annualized)
2.49%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.8% | +5.1% | -4.4 pts |
| Share growth (YoY) | -1.1% | +4.9% | -6.0 pts |
| Loan growth (YoY) | -6.5% | +5.4% | -12.0 pts |
| ROA | 0.50% | 0.71% | -0.2 pts |
| ROE | 2.5% | 6.3% | -3.8 pts |
ROA ranks in the 31st percentile of its peer group · Q1 2026
Profile
- Established
- 1938
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 6545 Sequence Dr, San Diego, CA, 92121
- NCUA charter #
- 61004
- RSSD ID
- 301190
- 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 | $9.38B | $7.57B | $4.94B | $1.88B | $11.7M | 0.50% | 2.19% | 0.10% | 413,767 |
| Q4 2025 | $9.29B | $7.48B | $5.02B | $1.87B | $81.2M | 0.87% | 2.11% | 0.24% | 412,666 |
| Q3 2025 | $9.26B | $7.48B | $5.04B | $1.86B | $60.6M | 0.87% | 2.07% | 0.21% | 413,370 |
| Q2 2025 | $9.30B | $7.59B | $5.15B | $1.84B | $38.9M | 0.84% | 2.04% | 0.23% | 413,081 |
| Q1 2025 | $9.31B | $7.66B | $5.28B | $1.82B | $18.6M | 0.80% | 2.06% | 0.11% | 426,957 |
| Q4 2024 | $9.17B | $7.56B | $5.46B | $1.80B | $65.8M | 0.72% | 2.14% | 0.20% | 427,820 |
| Q3 2024 | $10.00B | $7.66B | $5.56B | $1.80B | $52.7M | 0.70% | 2.00% | 0.20% | 429,218 |
| Q2 2024 | $11.06B | $7.69B | $5.77B | $1.79B | $38.6M | 0.70% | 1.85% | 0.19% | 428,631 |
Loan mix (Q1 2026): real estate $3.59B · commercial $406.5M · consumer $934.7M · securities $2.30B
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 | 0.50% | 0.71% | 31th | |
Return on equity Annualized net income ÷ equity or net worth | 2.5% | 6.3% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.19% | 3.32% | 4th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.8% | 73.0% | 86th | |
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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