Escondido

Escondido, CA · 1 · Charter #13402 · www.escondidofcu.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$65.4M
17th percentile
Members
2,082
1th percentile
Total loans
$22.5M
6th percentile
Total shares
$56.4M
18th percentile

Profitability

Return on assets
1.43%
74th percentile
Net interest margin
3.35%
33th percentile
Efficiency ratio
51.38%
81th percentile
Non-interest income ratio
9.33%
13th percentile

Capital & Risk

Net worth ratio
13.38%
63th percentile
Delinquency rate
0.01%
99th percentile
Net charge-off rate
0.08%
86th percentile
Loan-to-share
39.84%
8th percentile

Growth

Member growth YoY
0.19%
61th percentile
Asset growth YoY
7.34%
77th percentile
Loan growth YoY
0.71%
47th percentile
Share growth YoY
6.89%
77th percentile

Operations

Members / branch
2,082
23th percentile
Assets / member
$31,390
97th percentile
Field of membership penetration
33.05%
81th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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