State credit union · San Diego, California · NCUA charter #61004
San Diego County
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $9.29B
- Total assets
- 412,666
- Members
- 20.0%
- Net-worth ratio
San Diego County scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $9.29B; members 412,666; net-worth ratio 20.02%; health rank #1,563 of 4,374; healthier than 60th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,563 of 4,374 health · 2025Q4San Diego County · health 87/100 · $9.29B · 2025Q4
- HEALTH 87/100
- NW 20.0%
- DELQ 0.24%
- ROA 0.71%
- ASSETS $9.29B
- MEM 412,666
- RANK #1,563/4,374
- PHOTO American Airlines
- BOOK 61004
Call Report peers
San Diego County in the assets neighbourhood
San Diego County's $9.29B assets sit next to American Airlines ($9.30B) 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.
San Diego County 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
87 Top 40% higher than 60% 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
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.
Where San Diego County diverges from peer averages
- Largest favorable gap: Net Worth Ratio at 20.02% vs peer 11.18% (+8.84 pp).
- Loan-to-Share Ratio trails the peer set - 67.18% here, 83.90% peer average (-16.72 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where San Diego County sits in California
- Health composite ranks #97 of 243 among scored California credit unions.
- By total assets, San Diego County is #8 of 243 in California.
- Membership ranks #5 of 243 among California CUs with a reported count (412,666 members).
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
San Diego County: 2025Q4 → 2026Q1
San Diego County: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.0% from $9.29B (2025Q4) to $9.38B (2026Q1).
- Net-worth ratio shifted -0.08 pp (20.10% → 20.02%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 20.02%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 87/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 2.6 pts
- Loan-to-Share Ratio 14.4 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 20.02% | +8.84 pp |
| Delinquency Rate | 0.24% | -0.63 pp |
| Return on Assets | 0.71% | +0.20 pp |
| Member Growth | -3.54% | - |
| Loan-to-Share Ratio | 67.18% | -16.72 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).
San Diego County filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $9.38B | - |
| 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
Branch Locations (40)
San Diego County operates 40 offices across 21 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Operations Center - Administration Building (Main Office) | San Diego, CA |
| Branch 7 Carlsbad | Carlsbad, CA |
| Branch 36 La Costa | Carlsbad, CA |
| Branch 4 Chula Vista | Chula Vista, CA |
| Branch 16 Eastlake | Chula Vista, CA |
| Branch 43 Costa Mesa | Costa Mesa, CA |
| Branch 3 El Cajon | El Cajon, CA |
| Branch 6 Encinitas | Encinitas, CA |
| Branch 17 Escondido Civic Center | Escondido, CA |
| Branch 11 Escondido Branch | Escondido, CA |
| Branch 25 La Mesa | La Mesa, CA |
| Branch 26 Laguna Niguel | Laguna Niguel, CA |
| Branch 39 Alicia Parkway | Laguna Niguel, CA |
| Branch 42 Mission Viejo | Mission Viejo, CA |
| Branch 23 Murrieta | Murrieta, CA |
| Branch 38 National City | National City, CA |
| Branch 28 Oceanside | Oceanside, CA |
| Branch 22 Poway | Poway, CA |
| Branch 8 Kearny Mesa | San Diego, CA |
| Branch 10 Carmel Mountain | San Diego, CA |
| Branch 14 Mira Mesa | San Diego, CA |
| Branch 15 UTC Regents | San Diego, CA |
| Branch 18 Pacific Beach | San Diego, CA |
| Branch 27 Mission Valley | San Diego, CA |
| Branch 29 Del Mar | San Diego, CA |
| Branch 30 Rancho Bernardo | San Diego, CA |
| Branch 31 Rancho Penasquitos | San Diego, CA |
| Branch 32 Sports Arena | San Diego, CA |
| Branch 33 North Park | San Diego, CA |
| Branch 35 Balboa Genesee | San Diego, CA |
| Branch 41 Scripps Ranch | San Diego, CA |
| Branch 44 College Area | San Diego, CA |
| Branch 19 San Marcos | San Marcos, CA |
| Branch 34 San Ysidro | San Ysidro, CA |
| Branch 5 Santee | Santee, CA |
| Branch 21 Solana Beach | Solana Beach, CA |
| Branch 9 Temecula | Temecula, CA |
| Branch 24 Temecula North | Temecula, CA |
| Branch 2 Vista | Vista, CA |
| Branch 45 Yorba Linda | Yorba Linda, 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.
Other-state peers near San Diego County
Cross-state asset and health neighbours for San Diego County - kept outside California; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($9.29B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
Using this data
- San Diego County ranks #1,563 of 4,374 nationally on financial health and #97 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Star One is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Star One
- 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 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 the national health ranking (same basis as /rankings/healthiest), it sits at #1,563 of 4,374; by total assets it ranks #37 of 4,374 nationally (same basis as /rankings/largest); and #8 of 243 within California. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 20.02% 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 20.02% 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.