Escondido
Escondido, CA · Charter 13402 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 1 branch
Q2 2026
$66.8MAssets
$22.6MLoans
$57.4MShares
$9.1MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 89% of credit unions under $1B in assets in CA (rank 8 of 62).
- Widest gap: net interest margin trails 71% of credit unions under $1B in assets in CA (rank 45 of 63).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.17%
Rank 16 of 63
Net Interest Margin
3.29%
Rank 45 of 63
Efficiency Ratio
65.10%
Rank 12 of 63
Equity / Assets
13.68%
Rank 19 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.17% | 0.17% | 0.56% | 1.17% | Beats 75% | 16 / 63 | |
| Return on Equity | 8.54% | 1.81% | 4.79% | 8.64% | Beats 73% | 17 / 63 | |
| Net Interest Margin | 3.29% | 3.18% | 3.49% | 3.98% | Beats 29% | 45 / 63 | |
| Efficiency Ratio | 65.10% | 70.58% | 81.25% | 89.21% | Beats 83% | 12 / 63 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.06% | 0.17% | 0.42% | 0.85% | Beats 89% | 8 / 62 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.68% | 8.61% | 10.56% | 14.01% | Beats 70% | 19 / 63 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.68% | 8.61% | 10.56% | 14.01% | Beats 70% | 19 / 63 | |
| Liquidity & Funding |
| Loans / Deposits | 39.34% | 53.46% | 72.75% | 85.33% | 2nd pctl | 61 / 62 | |
| Loans / Assets | 33.84% | 46.35% | 58.08% | 72.17% | 3rd pctl | 61 / 63 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |