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.

NCUSIF coverage gauge for San Diego County Share insurance under NCUSIF covers up to $250,000 per share owner. San Diego County holds approximately $7.5B in member shares. Composite CAMELS rating bracket 1 (Strong). Risk-based capital ratio 20.1 percent. Share Insurance Coverage Federal NCUSIF - $250K per share owner 1 2 3 4 5 CAMELS 1 · Strong RBC ratio 20.1% · $7.5B member shares Insured · backed by full faith and credit of the United States
Source: NCUA 5300 Call Report 2025Q4 - share insurance under Title II of the Federal Credit Union Act

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) 20.10% 30% weight
  • Asset quality (delinquency) 0.24% 25% weight
  • Earnings (ROA) 0.71% 15% weight
  • Member growth -3.54% 15% weight
  • Liquidity (loan-to-share) 67% 15% weight

Weighted composite: 87/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.

Source: NCUA 5300 Call Report, sub-scores per PlainCU methodology (see the methodology guide)
Net worth ratio vs. NCUA well-capitalized threshold 100.0%

At 20.10%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.

$9.29B
Total Assets
412,666
Members
$5.02B
Total Loans
$7.48B
Total Deposits

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.

Compare San Diego County vs STAR ONE

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.

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.