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
Call Report peers
ESCONDIDO in the assets neighbourhood
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
ESCONDIDO sits in the busiest band, 85-89, alongside 857 other credit unions.
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
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).
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.
- One place up in California, Commonwealth Central (#75) ties at 89/100; one place down, Central Valley Firefighters (#77) ties at 89/100.
ESCONDIDO: 2025Q4 → 2026Q1
ESCONDIDO: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.3% from $65.4M (2025Q4) to $66.2M (2026Q1).
- Net-worth ratio shifted +0.03 pp (13.38% → 13.41%).
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
ESCONDIDO gives up 11 points in total. Member Growth costs the most, 5.8 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is ESCONDIDO financially healthy?
On its 2025Q4 NCUA 5300 filing, ESCONDIDO scores 89/100 (Excellent), with a 13.41% net worth ratio and 0.01% of loans delinquent. It ranks #1,236 of 4,374 nationally on health and #76 of 243 in California.
How does ESCONDIDO compare to other credit unions?
ESCONDIDO scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is delinquency rate (0.01% vs 0.96%). Its widest shortfall is loan-to-share ratio (39.84% vs 62.60%).
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?
ESCONDIDO is a federal 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. ESCONDIDO's net worth ratio of 13.41% 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.