Federal credit union · Escondido, California · NCUA charter #13402
ESCONDIDO
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $65.4M
- Total assets
- 2,082
- Members
- 13.4%
- Net-worth ratio
ESCONDIDO scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $65.4M; members 2,082; net-worth ratio 13.41%; health rank #1,236 of 4,374; healthier than 69th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,236 of 4,374 health · 2025Q4ESCONDIDO · health 89/100 · $65.4M · 2025Q4
- HEALTH 89/100
- NW 13.4%
- DELQ 0.01%
- ROA 1.34%
- ASSETS $65.4M
- MEM 2,082
- RANK #1,236/4,374
- PHOTO Northwest Community
- BOOK 13402
Call Report peers
ESCONDIDO in the assets neighbourhood
ESCONDIDO's $65.4M assets sit next to Northwest Community ($65.3M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
ESCONDIDO vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
89 Top 31% higher than 69% 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
ESCONDIDO - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #13402: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Where ESCONDIDO diverges from peer averages
- Largest favorable gap: Delinquency Rate at 0.01% vs peer 0.96% (-0.96 pp).
- Largest lag: Loan-to-Share Ratio at 39.84% vs peer 62.60% (-22.76 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where ESCONDIDO sits in California
- In California, health place is #76 of 243 on the same NCUA-ratio sort used nationally.
- Assets rank #176 of 243 inside California ($65.4M reported).
- Member book place in California: #201 of 243.
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
ESCONDIDO: 2025Q4 → 2026Q1
ESCONDIDO: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.3% from $65.4M (2025Q4) to $66.2M (2026Q1).
- Net-worth ratio shifted +0.03 pp (13.38% → 13.41%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 13.41%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 89/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.2 pts
- Loan-to-Share Ratio 9.8 pts
ESCONDIDO vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.41% | -0.21 pp |
| Delinquency Rate | 0.01% | -0.96 pp |
| Return on Assets | 1.34% | +0.68 pp |
| Member Growth | 0.19% | - |
| Loan-to-Share Ratio | 39.84% | -22.76 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Call Report history - ESCONDIDO
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $66.2M | - |
| 2025Q4 | $65.4M | 2,082 |
| 2024Q4 | $60.9M | 2,078 |
| 2023Q4 | $55.5M | 2,112 |
Credit Union Details
- Charter Number
- 13402
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $50M–$100M
- State
- California
- City
- Escondido
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for ESCONDIDO.
| Office | City |
|---|---|
| Escondido Federal Credit Union (Main Office) | Escondido, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
Other federally-insured credit unions in California, closest first by peer group and asset size.
ESCONDIDO nationwide neighbourhoods
ESCONDIDO's nationwide photo peers by assets and by health score, excluding California charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($65.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
Using this data
- ESCONDIDO ranks #1,236 of 4,374 nationally on financial health and #76 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Santa Barbara County is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Santa Barbara County
- Rates and health both vary by institution, not just by state -- see how California credit unions compare overall before assuming this one is typical. California state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is ESCONDIDO financially healthy?
Yes/no aside, the number is 89/100 (Excellent) - ESCONDIDO's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,236 of 4,374; by total assets it ranks #2,188 of 4,374 nationally (same basis as /rankings/largest); and #176 of 243 within California. Above 80 reads excellent, below 50 warrants closer monitoring; a 13.41% net worth ratio and 0.01% delinquency rate are the key drivers.
How does ESCONDIDO compare to other credit unions?
On PlainCU's health composite, ESCONDIDO lands at 89/100, compared to a peer group average for $50M–$100M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join ESCONDIDO?
ESCONDIDO serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact ESCONDIDO directly for the current list of qualifying groups.
Is my money safe at ESCONDIDO?
Federal credit unions like ESCONDIDO are 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. ESCONDIDO's net worth ratio of 13.41% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does ESCONDIDO offer compared to banks?
Credit unions like ESCONDIDO are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact ESCONDIDO directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.