State credit union · San Diego, California · NCUA charter #61004
San Diego County
Health score 87/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $9.29B
- Total assets
- 412,666
- Members
- 20.1%
- Net-worth ratio
San Diego County - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #61004: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
San Diego County - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth17
- Liquidity (loan-to-share)96
Weighted composite: 87/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 20.10%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 20.10% | 30% |
| Delinquency Rate | 0.24% | 25% |
| Return on Assets | 0.71% | 15% |
| Member Growth | -3.54% | 15% |
| Loan-to-Share Ratio | 67.18% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $9.29B | 412,666 |
| 2024Q4 | $9.17B | 427,820 |
| 2023Q4 | $13.48B | 436,213 |
Credit Union Details
- Charter Number
- 61004
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- California
- City
- San Diego
- Data Quarter
- 2025Q4
What This Data Says About San Diego County
412,666 members and $9.29B in total assets sit behind San Diego County, a state credit union in San Diego, California, which posts a health score of 87/100 (Excellent) on the five-factor composite, with $5.02B in outstanding loans as of Q4 2025 and a net worth ratio of 20.10% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #61004 in peer group Over $500M, a cohort of 749 similarly-sized institutions.
Deposits deployed into lending sit at a 67.18% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Loan quality, meanwhile, shows 0.24% of the book 60+ days past due - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers. Return on assets stands at 0.71% on net income of $65.8M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -3.54%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in California
Other federally-insured credit unions in California, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is San Diego County financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, San Diego County carries a financial health score of 87/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 20.10% net worth ratio and a 0.24% delinquency rate.
How does San Diego County compare to other credit unions?
PlainCU's health composite puts San Diego County at 87/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 San Diego County?
Membership eligibility for San Diego County depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact San Diego County directly for current membership requirements and application steps.
Is my money safe at San Diego County?
Federal credit unions like San Diego County 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. San Diego County's net worth ratio of 20.10% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does San Diego County offer compared to banks?
Credit unions like San Diego County 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 San Diego County directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.