ESCONDIDO
Charter #13402 · Escondido, CA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 2,095 sits at the 7th percentile of structural peers — worth a closer look.
- Net interest margin of 3.29% sits at the 25th percentile of structural peers — worth a closer look.
- Cost of funds of 0.93% sits at the 75th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.15% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.01% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | ESCONDIDO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $66.21M | 40th pct | 48th pct |
| Members | 2,095 | 2th pct | 7th pct |
| Net worth ratio | 13.41% | 56th pct | 62th pct |
| Return on average assets | 0.85% | 59th pct | 49th pct |
| Net interest margin | 3.29% | 29th pct | 25th pct |
| Cost of funds | 0.93% | 51th pct | 75th pct |
| Loan-to-share | 38.75% | 12th pct | 25th pct |
| Delinquency 60+ days | 0.15% | 16th pct | 10th pct |
| Net charge-off ratio | -0.01% | 12th pct | 15th pct |
| Loan growth YoY | -1.83% | 47th pct | 48th pct |
| Share growth YoY | 2.88% | 50th pct | 52th pct |
| Efficiency ratio | 69.41% | 25th pct | 25th pct |
structural peer set hash: 002376facf17470c1aa16e5e730baa8f… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.