# MISSION
San Diego, CA · NCUA charter 14384 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/mission-14384

Who the members are: federal charter, community charter, organized 1961. 330,996 members of 2,967,803 potential (11.2% of the field); checking penetration 78% (share draft accounts per 100 members); loans per 100 members 47.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $7.23B |
| Members | 330,996 (3.9% YoY) |
| Full-time staff | 658 |
| Net worth | $867.7M |
| Net worth ratio | 12.0% (p71 of band) |
| ROA (annualized) | 0.86% (p63 of band) |
| Total delinquency | 0.15% (p4 of band) |
| Net charge-offs (annualized) | 0.36% (p31 of band) |
| Loans / shares | 80% (p31 of band) |
| Cash / assets | 14.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.45% (p8 of band) |
| Operating expense / assets | 2.28% (p11 of band) |
| Vehicles % of loans | 16% (p23 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 68% |
| Third-party paper % of net worth | 63% (p29 of band) |
| Vehicle delinquency | 0.21% (p12 of band) |
| Vehicle NCO | 0.86% (p43 of band) |
| Repossessed % of vehicle book | 0.06% (p47 of band) |
| Real estate % of loans | 57% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 97% |
| Core shares % of member funds | 54% |
| Certificates % of member funds | 36% |
| Average share balance | $8,679 |
| Participations bought / yr | $0 |
| Participations sold / yr | $43.5M |
| Participations outstanding | $65.5M |
| Loans outstanding per 100 members | 47% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $32,724 |
| Loans granted, annualized | $1.42B |

## Participation posture (from the same filings)

Bought $0 and sold $43.5M in the latest annualized quarter; $65.5M outstanding purchased (7.6% of net worth), $55.2M sold and retained. Sold in 8 and bought in 4 of the last 8 quarters. Shares 5.6% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | leaning on borrowings |  |
| 2020-06 | 2 | net worth falling, margin squeeze | leaning on borrowings |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | net worth falling |  |
| 2021-06 | 0 |  | margin squeeze, net worth falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | delinquency rising |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | net worth falling |  |
| 2024-06 | 1 |  | net worth falling |
| 2024-09 | 1 |  |  |
| 2024-12 | 0 |  | delinquency rising |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

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

- 2026-04-17 [Mission Fed Credit Union announces changes to Board of Directors - CUInsight](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQd1hzOVVQVFFndnhOLXplbEFyN0hyR0xPZVBjSzRfQWwzWEJWMTRDd1RoTk1yOUlpWWZwbzJubVl3MmtKa0ZidjBwMjVkcV9sNmhkZjQ5SGtWV3JOWTJUSmQ1S1d1emFMR1pMejZjQ0QyNmJ2UXJTYzZMRTlQdzRWeXd5anlOMWlneVp1WkptcUFCMURNVHlDblcwcWFJbDhFeDlvbWNEQWc?oc=5) · CUInsight
- 2025-12-18 [California - Newsweek Rankings](https://news.google.com/rss/articles/CBMikgFBVV95cUxOTGxlNEF4aW9OOVBlYVYxTjRYMDRvUHFnM3RSZjR0MWpGYi1MbXZHdU5RREhWalRxUENSYlZyQUQ0M1haYThOaWRZSHl5LWVselpYOUpBWmNnOHdaWWJxTXdiczhfc0hOcjFKZ1A1amtUT2k5UU0wRWd6Wk41aEJGOF9MOFBJZE5BeU51XzVyck1PUQ?oc=5) · Newsweek Rankings
- 2026-01-21 [Rize Credit Union Partners with Upstart to Expand Access to Personal Loans in California - Business Wire](https://news.google.com/rss/articles/CBMi3gFBVV95cUxPRzh1SEZaRkZtNWhJa1NNUV92dHZWc3pnU2RhcTcxYVRWSjZ3ZG96anozVDhEZ3R3VUlSV1dSOUtmMW5ma0NBNEVFZjRSbGZwMVRxay1PVDlDaGNVQVR4SzNBZGxFVlBrUTRqMUVNbjVVQlR5UEtXUGwyVE91MjNFNEF1NkhyajVmdmZHZGdkZE41QVZFdzd6ZjI1UE1BR2p1T3BGX05kTm8zTW5LbFlTOGxxM2E4LVk3eVgtS1hCemY5UFBLNFRhSkdERERjTThCZDZYWDM4MzlDbUZ6bVE?oc=5) · Business Wire
- 2026-01-05 [Future for Lompoc Youth Celebrates $80,000 Donation with Check Presentation from CoastHills Credit Union for 2025 Rancho Vino Fundraiser - The Santa Barbara Independent](https://news.google.com/rss/articles/CBMihAJBVV95cUxOSUFxalF6QXdGMDEwdXNfdklsQ3dfaS1neEJzX0ZmdDF0RHh4ajVKTXNoQTh5azBtOE81WXdya05PcVJtblVxVUh1TTRPekd5dURrdGdMVWI0VDdZMnNlbE1kb1BJa1h6dmNNV09KOFVFSU1VbjZETUlqQUZjQ3pRUDNPNnJDejRkR1pSc2dhbFQ4UWNLMGZIcW14endmenR6M25PSzl6aEhEOUFXVzVjeXMtN3dzRWNUNVl0Zk9kZkVEYUQ4X0FGT2R3MkRCeXRjVkdYTjhNRC1zRTh3VHJnXzZvV2ZWT3JlQURFYVBJbVFOTkdENlQwX1FhZVhENmJVeklwMg?oc=5) · The Santa Barbara Independent
- 2026-04-26 [Thousands turn out for Mission Fed ArtWalk in Little Italy: ‘The creative side of humanity’ - San Diego Union-Tribune](https://news.google.com/rss/articles/CBMi0wFBVV95cUxPQ3RwUURDVW41STdWbjRUMm9kVW1BQWFsRlJHRVJrbGc3d2YwVVh5bmc2bUltWG00SGlQcUVZZFlrRVI3SWM3SkdwVVdOR1JuRVdOUmVoU1VNcXVOR01sQmNRSVlfeE9pQ0F5RWg0bTIzSFlUQUhzaEh3YzFhUkZCQVVNVGtFVE42T0Y2bHk3bnk2RldaeDY1ZHZEdkp5MXpVeFFpSDFZaWNncThCVGxfTDQ2eVVnRldFMlFidHkza2FvTlhtalZMTUU2SDFCaWVMZzlR?oc=5) · San Diego Union-Tribune
- 2025-08-13 [US credit unions accused of abandoning mission with ‘Wall Street-style’ behaviour - TheBanker.com](https://news.google.com/rss/articles/CBMiekFVX3lxTFBMTXRza05yRDlVRllTbjVZTzRWdWxxemVxdHU4MTF1MTV4RnNQMmw2ZGlRVWxWZVZ4Y0tUMnUxcXpDQ29hLWVfT0Q2cWR0SDVrcVA3UWhEVDUwR2dJdGxodWsxZG05dzZmTkF6T3BRandBZmZjdVZwTmRn?oc=5) · TheBanker.com
- 2023-11-29 [San Diego area credit unions lean into 'good guy' image while charging millions in overdraft fees - KPBS](https://news.google.com/rss/articles/CBMirgFBVV95cUxORFd0cE9JUmtURkNueUlrNDU3eUFJT0lMbFh0ekxHcUUzVlhDOFFpd0VZbUhmWXZ6UHl2OWRjYzN6cTJ0QjN5SzBCUzVnelV2UTdBZDJlMVBaZVlhNndWOG9HT3NOVnRzQi02TVo2cG5BdUFwN3RGTGN4VUxvRUdGSklQR0otczBlOGp0amV3VmxnUlZNcy0zQTRmSjQwZXhUblVfTGVLRmtmQkl4X0E?oc=5) · KPBS
- 2025-10-15 [$230K In Grants Awarded To 26 San Diego Nonprofits - Patch](https://news.google.com/rss/articles/CBMiigFBVV95cUxOTG95cHZHZS1fZkh4eEN6MGtQQURxbjBSOWxLSVk5c1JWQ3JaSU1Wd1JDanRMZmV6ODI4bXRRRXZEaUtNQUc3X2g0eU1mMnFxVmdnQmY3OGZacWF3SXRqRVlJcmVDX2h6NUNuR1lWdEVBU1BKU3p6V2NwWWwzWWdGNFdZQXd0RWRkM1E?oc=5) · Patch

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=14384 (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/48.json (key "14384", 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=14384
- 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