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
- CAMELS 99/100
- HEALTH 12.0%
- NW 0.20%
- DELQ 1.02%
- ROA $7.16B
- ASSETS 326,941
- MEM #55/4,374
- RANK VIRGINIA
- PHOTO 14384
Call Report peers
MISSION in the assets neighbourhood
MISSION's $7.16B assets sit next to VIRGINIA ($7.24B) 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.
MISSION 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
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
MISSION - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #14384 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for MISSION
MISSION: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.1% from $7.16B (2025Q4) to $7.23B (2026Q1).
- Net-worth ratio shifted +0.09 pp (11.91% → 12.00%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 99.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Cross-state asset and health neighbours for MISSION - kept outside California; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($7.16B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (99/100 here).
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
- 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 MISSION financially healthy?
MISSION scores 99/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #55 of 4,374; by total assets it ranks #54 of 4,374 nationally (same basis as /rankings/largest); and #9 of 243 within California. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 12.00% net worth ratio and a 0.20% delinquency rate.
How does MISSION compare to other credit unions?
On PlainCU's health composite, MISSION lands at 99/100, compared to a peer group average for Over $500M 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 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?
Federal credit unions like MISSION 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. MISSION's net worth ratio of 12.00% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does MISSION offer compared to banks?
Credit unions like MISSION 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 MISSION 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.