State credit union · San Diego, California · NCUA charter #68409
CABRILLO
Health score 96/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $570.6M
- Total assets
- 28,932
- Members
- 9.3%
- Net-worth ratio
CABRILLO scores 96/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $570.6M; members 28,932; net-worth ratio 9.33%; health rank #292 of 4,374; healthier than 93rd of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#292 of 4,374 health · 2025Q4CABRILLO · health 96/100 · $570.6M · 2025Q4
Call Report peers
CABRILLO in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
CABRILLO vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); CABRILLO sits in 95-99 with 391 others.
96 Top 7% higher than 93% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Where CABRILLO diverges from peer averages
- Strongest edge vs 749 Over $500M peers is Return on Assets: +0.37 pp (0.87% vs 0.51%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -11.03 pp (72.87% vs 83.90%).
Where CABRILLO sits in California
- California health ordinal: #24 of 243.
- Assets rank #86 of 243 inside California ($570.6M reported).
- Member book place in California: #86 of 243.
- One place up in California, STANFORD (#23) ties at 96/100; one place down, Firefighters First (#25) ties at 96/100.
CABRILLO: 2025Q4 → 2026Q1
CABRILLO: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.2% from $570.6M (2025Q4) to $571.8M (2026Q1).
- Net-worth ratio shifted +0.09 pp (9.24% → 9.33%).
This credit union's 9.33% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 96/100 score is built
CABRILLO gives up 4 points in total. Delinquency Rate costs the most, 2.5 of its 25; Return on Assets and Member Growth and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 28.3 pts
- Delinquency Rate 22.5 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.2 pts
CABRILLO vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.33% | -1.85 pp |
| Delinquency Rate | 0.75% | -0.13 pp |
| Return on Assets | 0.87% | +0.37 pp |
| Member Growth | 17.04% | - |
| Loan-to-Share Ratio | 72.87% | -11.03 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
CABRILLO filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $571.8M | - |
| 2025Q4 | $570.6M | 28,932 |
| 2024Q4 | $403.2M | 24,719 |
| 2023Q4 | $397.7M | 24,459 |
Credit Union Details
- Charter Number
- 68409
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- California
- City
- San Diego
- Data Quarter
- 2025Q4
Branch Locations (8)
CABRILLO operates 8 offices across 4 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Corporate - HQ (Main Office) | San Diego, CA |
| Centurian | Angola, IN |
| South Bay Branch | Chula Vista, CA |
| Grossmont Branch | La Mesa, CA |
| Federal Building | San Diego, CA |
| Scripps Ranch Branch | San Diego, CA |
| Iron Mountain | San Diego, CA |
| RB Branch | San Diego, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
A look at other California credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Similar total assets
Using this data
- CABRILLO ranks #292 of 4,374 nationally on financial health and #24 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- I.L.W.U. is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with I.L.W.U.
Frequently Asked Questions
Is CABRILLO financially healthy?
On its 2025Q4 NCUA 5300 filing, CABRILLO scores 96/100 (Excellent), with a 9.33% net worth ratio and 0.75% of loans delinquent. It ranks #292 of 4,374 nationally on health and #24 of 243 in California.
How does CABRILLO compare to other credit unions?
CABRILLO scores 96/100, higher than 93% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is return on assets (0.87% vs 0.51%). Its widest shortfall is loan-to-share ratio (72.87% vs 83.90%).
How can I join CABRILLO?
Membership eligibility for CABRILLO depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact CABRILLO directly for current membership requirements and application steps.
Is my money safe at CABRILLO?
CABRILLO is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. CABRILLO's net worth ratio of 9.33% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.