SAN DIEGO COUNTY
Charter #61004 · San Diego, CA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 413,767 ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 20.02% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.50% sits at the 20th percentile of structural peers — worth a closer look.
- Net interest margin of 2.21% sits at the 7th percentile of structural peers — worth a closer look.
- Cost of funds of 1.13% 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 | SAN DIEGO COUNTY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $9.38B | 93th pct | 77th pct |
| Members | 413,767 | 91th pct | 84th pct |
| Net worth ratio | 20.02% | 99th pct | 98th pct |
| Return on average assets | 0.50% | 30th pct | 20th pct |
| Net interest margin | 2.21% | 4th pct | 7th pct |
| Cost of funds | 1.13% | 24th pct | 15th pct |
| Loan-to-share | 65.25% | 11th pct | 26th pct |
| Delinquency 60+ days | 0.10% | 2th pct | 10th pct |
| Net charge-off ratio | 0.13% | 8th pct | 21th pct |
| Loan growth YoY | -2.01% | 9th pct | 7th pct |
| Share growth YoY | 1.22% | 12th pct | 12th pct |
| Efficiency ratio | 82.82% | 86th pct | 87th pct |
structural peer set hash: 9ed79626ea33724f0add853eaf208aef… (reproducible)
Closest structural peers
This is the free public view
Claim SAN DIEGO COUNTY
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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.