Federal credit union · San Diego, California · NCUA charter #14384
MISSION
Health score 99/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 99
- Health / 100
- $7.16B
- Total assets
- 326,941
- Members
- 12.0%
- Net-worth ratio
MISSION scores 99/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $7.16B; members 326,941; net-worth ratio 12.00%; health rank #55 of 4,374; healthier than 98th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#55 of 4,374 health · 2025Q4MISSION · health 99/100 · $7.16B · 2025Q4
Call Report peers
MISSION in the assets neighbourhood
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MISSION vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); MISSION sits in 95-99 with 391 others.
99 Top 2% higher than 98% 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 MISSION diverges from peer averages
- Net Worth Ratio leads the peer set - 12.00% here, 11.18% peer average (+0.82 pp).
- Loan-to-Share Ratio trails the peer set - 79.86% here, 83.90% peer average (-4.04 pp).
California standing for MISSION
- In California, health place is #5 of 243 on the same NCUA-ratio sort used nationally.
- Assets rank #9 of 243 inside California ($7.16B reported).
- Member book place in California: #9 of 243.
- One place up in California, YOLO (#4) ties at 99/100; one place down, ALTURA (#6) ties at 99/100.
Quarter path for MISSION
MISSION: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.1% from $7.16B (2025Q4) to $7.23B (2026Q1).
- Net-worth ratio shifted +0.09 pp (11.91% → 12.00%).
At 12.00%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 99/100 score is built
MISSION gives up 1 points in total. Member Growth costs the most, 1.4 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 13.6 pts
- Loan-to-Share Ratio 15.4 pts
Call Report ratios for MISSION
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.00% | +0.82 pp |
| Delinquency Rate | 0.20% | -0.68 pp |
| Return on Assets | 1.02% | +0.51 pp |
| Member Growth | 3.87% | - |
| Loan-to-Share Ratio | 79.86% | -4.04 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $7.23B | - |
| 2025Q4 | $7.16B | 326,941 |
| 2024Q4 | $6.61B | 314,763 |
| 2023Q4 | $6.22B | 303,814 |
Credit Union Details
- Charter Number
- 14384
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- California
- City
- San Diego
- Data Quarter
- 2025Q4
Branch Locations (36)
Per its most recent NCUA branch filing, MISSION runs 36 offices in 14 different cities.
| Office | City |
|---|---|
| Meanley HQ Building 1 (Main Office) | San Diego, CA |
| Carlsbad | Carlsbad, CA |
| Bressi Ranch | Carlsbad, CA |
| Eastlake | Chula Vista, CA |
| Telegraph Canyon | Chula Vista, CA |
| Terra Nova | Chula Vista, CA |
| Chula Vista | Chula Vista, CA |
| El Cajon | El Cajon, CA |
| Encinitas | Encinitas, CA |
| Escondido | Escondido, CA |
| Escondido Auto Parkway | Escondido, CA |
| La Mesa | La Mesa, CA |
| Rancho San Diego | La Mesa, CA |
| National City | National City, CA |
| Oceanside | Oceanside, CA |
| Oceanside HWY 78 | Oceanside, CA |
| Poway | Poway, CA |
| Clairemont | San Diego, CA |
| Mira Mesa | San Diego, CA |
| Mission Valley | San Diego, CA |
| Imperial Beach | San Diego, CA |
| Rancho Bernardo | San Diego, CA |
| Mission Hills | San Diego, CA |
| Linda Vista | San Diego, CA |
| Mira Mesa West | San Diego, CA |
| Scripps Ranch | San Diego, CA |
| Little Italy | San Diego, CA |
| College Grove | San Diego, CA |
| Carmel Mountain | San Diego, CA |
| San Carlos | San Diego, CA |
| Meanley HQ Buidling 2 | San Diego, CA |
| Del Mar Highlands | San Diego, CA |
| San Marcos | San Marcos, CA |
| Santee | Santee, CA |
| Solana Beach | Solana Beach, CA |
| Vista | Vista, 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
Similar health score
Using this data
- MISSION ranks #55 of 4,374 nationally on financial health and #5 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- KINECTA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with KINECTA
Frequently Asked Questions
Is MISSION financially healthy?
MISSION has a financial health score of 99/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #55 of 4,374 nationally on health and #5 of 243 in California. Its net worth ratio is 12.00% and its delinquency rate 0.20%.
How does MISSION compare to other credit unions?
MISSION scores 99/100, higher than 98% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (12.00% vs 11.18%). Its widest shortfall is loan-to-share ratio (79.86% vs 83.90%).
How can I join MISSION?
MISSION operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact MISSION directly for the exact boundaries and application steps.
Is my money safe at MISSION?
MISSION 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. MISSION's net worth ratio of 12.00% 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.