San Diego County

San Diego, CA · 2 · Charter #61004 · www.sdccu.com
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$9.3B
96th percentile
Members
412,666
95th percentile
Total loans
$5.0B
93th percentile
Total shares
$7.5B
96th percentile

Profitability

Return on assets
0.72%
31th percentile
Net interest margin
2.11%
4th percentile
Efficiency ratio
53.92%
40th percentile
Non-interest income ratio
22.53%
77th percentile

Capital & Risk

Net worth ratio
20.10%
99th percentile
Delinquency rate
0.24%
93th percentile
Net charge-off rate
0.13%
92th percentile
Loan-to-share
67.18%
12th percentile

Growth

Member growth YoY
-3.54%
8th percentile
Asset growth YoY
1.32%
17th percentile
Loan growth YoY
-8.05%
2th percentile
Share growth YoY
-1.13%
7th percentile

Operations

Members / branch
10,581
77th percentile
Assets / member
$22,504
81th percentile
Field of membership penetration
1.81%
17th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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