Mission
San Diego, CA · Charter 14384 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 36 branches
Q2 2026
$7.3BAssets
$5.2BLoans
$6.3BShares
$894.4MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 98% of credit unions $1B-$10B in assets (rank 10 of 435).
- Widest gap: net interest margin trails 91% of credit unions $1B-$10B in assets (rank 397 of 435).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.15%
Rank 103 of 435
Net Interest Margin
2.52%
Rank 397 of 435
Efficiency Ratio
61.34%
Rank 74 of 435
Equity / Assets
12.27%
Rank 128 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.15% | 0.55% | 0.81% | 1.14% | Beats 76% | 103 / 435 | |
| Return on Equity | 9.39% | 5.12% | 7.41% | 9.70% | Beats 73% | 119 / 435 | |
| Net Interest Margin | 2.52% | 3.01% | 3.39% | 3.75% | Beats 9% | 397 / 435 | |
| Efficiency Ratio | 61.34% | 65.25% | 71.39% | 77.86% | Beats 83% | 74 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.15% | 0.45% | 0.69% | 1.05% | Beats 98% | 10 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.27% | 9.81% | 10.84% | 12.63% | Beats 71% | 128 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.27% | 9.81% | 10.84% | 12.63% | Beats 71% | 128 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 81.33% | 78.33% | 88.38% | 95.61% | 32nd pctl | 297 / 435 | |
| Loans / Assets | 70.86% | 67.69% | 74.58% | 80.80% | 36th pctl | 280 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |