San Diego County
San Diego, CA · Charter 61004 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 40 branches
Q2 2026
$9.5BAssets
$5.1BLoans
$7.8BShares
$1.9BNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 99% of credit unions $1B-$10B in assets (rank 6 of 435).
- Widest gap: net interest margin trails 97% of credit unions $1B-$10B in assets (rank 421 of 435).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.54%
Rank 332 of 435
Net Interest Margin
2.14%
Rank 421 of 435
Efficiency Ratio
80.62%
Rank 371 of 435
Equity / Assets
19.82%
Rank 6 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.54% | 0.55% | 0.81% | 1.14% | Beats 24% | 332 / 435 | | |
| Return on Equity | 2.73% | 5.12% | 7.41% | 9.70% | Beats 10% | 392 / 435 | | |
| Net Interest Margin | 2.14% | 3.01% | 3.39% | 3.75% | Beats 3% | 421 / 435 | | |
| Efficiency Ratio | 80.62% | 65.25% | 71.39% | 77.86% | Beats 15% | 371 / 435 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.20% | 0.45% | 0.69% | 1.05% | Beats 96% | 19 / 435 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 19.82% | 9.81% | 10.84% | 12.63% | Beats 99% | 6 / 435 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 19.82% | 9.81% | 10.84% | 12.63% | Beats 99% | 6 / 435 | | |
| Liquidity & Funding |
| Loans / Deposits | 65.87% | 78.33% | 88.38% | 95.61% | 11th pctl | 389 / 435 | | |
| Loans / Assets | 53.94% | 67.69% | 74.58% | 80.80% | 9th pctl | 394 / 435 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |