# ESCONDIDO
Escondido, CA · NCUA charter 13402 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/escondido-13402

Who the members are: federal charter, multiple common bond, organized 1959. 2,095 members of 6,300 potential (33.3% of the field); checking penetration 95% (share draft accounts per 100 members); loans per 100 members 61.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $66.2M |
| Members | 2,095 (1.6% YoY) |
| Full-time staff | 7 |
| Net worth | $8.9M |
| Net worth ratio | 13.4% (p56 of band) |
| ROA (annualized) | 0.85% (p59 of band) |
| Total delinquency | 0.15% (p16 of band) |
| Net charge-offs (annualized) | -0.01% (p12 of band) |
| Loans / shares | 39% (p12 of band) |
| Cash / assets | 61.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.27% (p29 of band) |
| Operating expense / assets | 2.53% (p16 of band) |
| Vehicles % of loans | 49% (p61 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.21% (p26 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 28% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 68% |
| Certificates % of member funds | 19% |
| Average share balance | $9,902 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 61% |
| Loans granted per 100 members, annualized | 34% |
| Average loan balance | $17,429 |
| Loans granted, annualized | $6.4M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | net worth falling |  |
| 2016-12 | 0 |  | net worth falling |
| 2017-03 | 1 | delinquency rising |  |
| 2017-06 | 0 |  | delinquency rising |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | charge-offs p90 |  |
| 2018-06 | 0 |  | charge-offs p90 |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 2 | delinquency rising, assets shrinking |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 0 |  | delinquency rising, assets shrinking |
| 2020-03 | 0 |  |  |
| 2020-06 | 2 | net worth falling, margin squeeze |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | members leaving |  |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 1 | losing money | margin squeeze, members leaving |
| 2022-06 | 0 |  | losing money |
| 2022-09 | 1 | members leaving |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 | assets shrinking | members leaving |
| 2023-12 | 2 | delinquency rising |  |
| 2024-03 | 1 |  | assets shrinking |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 0 |  | delinquency rising |
| 2025-03 | 1 | net worth falling |  |
| 2025-06 | 1 | delinquency rising | net worth falling |
| 2025-09 | 0 |  | delinquency rising |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | delinquency rising |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-12-13 [With the need greater this year, families shop for free gifts at holiday giveaway in Escondido - San Diego Union-Tribune](https://news.google.com/rss/articles/CBMi2gFBVV95cUxNY0RxMUdYM1Q5ekNNSHpMMXhQaV95RzU1SWdWVGU2NWpydGp6NGhUWXNaa05XcVV4NnNBUkQ2UVd6OFZ5cTNBeEFoZ3pyOFcyN1ZpYjlDcGlOVUY3UXdxdzZxa240OWZMcUtfOWxOU0oxbWhGa0lmbHg3eVVSZEUxWEY1bkV5djFOVXVhN1FUdWFxdFk3eWxvZUwyRy1ZeWQtcDQtTEZfenRLaTBjUUpRQmFoREZmdmZZV3dtODN5UnhNUXJKalI1Z1YzZU12QTRSRDlTeWZqUkNSZw?oc=5) · San Diego Union-Tribune
- 2026-01-08 [EAA announces 2026 ‘Renaissance Year’ exhibits - Escondido Times-Advocate](https://news.google.com/rss/articles/CBMijgFBVV95cUxPdGlhMk84YWxsbloyWUZzb0RLMlFYTFMxLXpnZmQ0bWlXV1V6VHBtVl9aTHZWV1QtYkpFRnItTHdVZ2wzT2hnU0ZCWlJPdDJvYkNiTGxjZFRTejR1d0hUcGJFUlcyVWR5TTRqYXhobHF5VWc5aDBIUE1kZWMxc3hqS1FhTFdiUWx1Snp1YzV3?oc=5) · Escondido Times-Advocate
- 2025-10-30 [Local Teacher Named One of Five 2026 California Teachers of the Year - San Diego County Office of Education | SDCOE](https://news.google.com/rss/articles/CBMiyAFBVV95cUxNYXpQbzJqMmtuQ2lySnFyYzFDUDBVLUUxbExqbG5Md2F1TTRUUVlyYm5CeHpNUHc5cGlXeEJ0Q2hqbUZJNEtNSzNlZ3kzblVjQjRITXJHblMwdGRiX1M1a0dXUm1DT2psYXUzNGZ0aHZfMXVPeHlPWkc2UEs5QXJTaFNHaUxfcmJoVzNLcXF6UjNkZkZQNHBRXzZtQ3poZ09jb3FFeF9wSVluM3EzUWVDSDROT0FTUE5SSUVMbVlSMHFPcEp2SWlZeg?oc=5) · San Diego County Office of Education | SDCOE
- 2024-12-17 [North Island Credit Union & Escondido Art Association celebrate local arts and culture in annual holiday party - CUInsight](https://news.google.com/rss/articles/CBMi4wFBVV95cUxPdWRQdWdzSlc0YVZiNm5VcnB6eFJOTmVDUENpZVRJZUpFZnBabkU1cW9uenRNaTNZdnpQb255WGFzbnFjVjBCRjMtRngteFFIZEd1Y0xjbE51cDVJcUlxQ2VzYTdMWUhxY1ppOWR4b1NXVVFlY2VyQ013TUNJNjdlX1YwM29lMThaNGloQ05fSFpOYjRsOW91T2V6d0dYQzZfUGdaaVRSWDlLMlAtRF83NWNnN3VkUjgyNS1ubHB3ajdTaE5IcmUzbEctRXlWOW56WW0zdW0yQVFuOFk4MGVhcFJSaw?oc=5) · CUInsight
- 2024-02-01 [North Island Credit Union Opens New Full-Service Branch in Escondido - Times of San Diego](https://news.google.com/rss/articles/CBMiuAFBVV95cUxOZVBiNVlnYWJkLVNNT1QzaGJtUndwUFRlWXJlVzV3blRJWW1nenl4T0EteDE1MFRvUVhWUWM0N292dDI4WnFWeGNzWnhQQjQwSVFBSlgybk5FelZoeTcxeFlmbGx1ajZ5c1JRbGFnb3dqRFVOY3ZVS1hUbVRlVmpOdjUtZTl4aWo2XzVPOG9zUThyT0pwRXFVdXR4SGZ5VGVRT3pvd01GMWgwbkdzbnpVMktQT2xCMktY?oc=5) · Times of San Diego
- 2023-12-28 [Overdraft fees, long associated with big banks, are big business for credit unions too - marketplace.org](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQT2JxazI4WW1kRVNXbFl1Z2FUQklFNTl4cXlveUdCRWctN0taMnNGS2hmQ21DMTd5QzZIVW1Xb3ZDbUllVXpqaDBST3FPRktYVUhydjZwZFk2UENUaUNLUm1jTkJxTDVIdk5NNTJpXzJQang4SGI4QmgxNURTWXZPLThQRm9hOWdBTXBF?oc=5) · marketplace.org
- 2023-12-01 [San Diego County credit union executives see big pay raises while customers pay millions in overdraft fees - KPBS](https://news.google.com/rss/articles/CBMi5gFBVV95cUxPUXp3d2c3UzR0OVplZlo2c1l4N1JpclMweTEzUFpJZ2hYMFNjamF3NUxXOUtETHktYUZOcjBTbzNKR0hLNFVpTE9CZ0JKeUdrQmx4OUM4bEI1QmtoajZqZGpPMk0tbTQwNVdpOUVsWWJ3NHktSk53U2lwZVNCd210aG1NTnhmX3dXRmNpcEUzVUdhcmNYdnJNRUhKV0J2SHJXV3g2TU4zNjRkQ0Z4ZEhLQmpzNG1xSXR6Q0U2eWFQRFZTb202R3I4b25SZjFuaDZQV0dvUUV6NTJPNThNaVo4YlcxWW4wdw?oc=5) · KPBS
- 2020-04-27 [County’s Two New Testing Sites Open - San Diego County News Center](https://news.google.com/rss/articles/CBMid0FVX3lxTE8xSmx6SFRzSF9CRXBkWlVWVFFMbV9FRjFKNHlmY0tWSEc0aThYd1JfdVpFaVkyZHhjVFkwQzR4MzdoRGdBMENnQjBxd2ttc3ktZ0ExVGJHM09YdGEwQ1pQWkk5OWFEOWNOT3lOcWVYdEk5V0JSY1Rn0gF8QVVfeXFMTVMza2pKTUs4Q1NCYzdwSEpNOTRSY3ZQeDdUUFNYcXh1aHZnOHBhb1ZJOGV3WmlWU3Y0aUlLUHAwR1hURE9sN2NYWHpZNWJyN25fTGJHS2dXUS1tNXhCd1NrUXRoUGFCOURhakJfRGdObHlZdXZmS1pqTGdMcw?oc=5) · San Diego County News Center

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=13402 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/26.json (key "13402", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=13402
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide