# SAN DIEGO COUNTY
San Diego, CA · NCUA charter 61004 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/san-diego-county-61004

Who the members are: state charter, organized 1938. 413,767 members of 22,854,000 potential (1.8% of the field); checking penetration 72% (share draft accounts per 100 members); loans per 100 members 27.

**Verdict on the desk:** this could be *quiet fade*. 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 | $9.38B |
| Members | 413,767 (-3.1% YoY) |
| Full-time staff | 811 |
| Net worth | $1.88B |
| Net worth ratio | 20.0% (p99 of band) |
| ROA (annualized) | 0.50% (p31 of band) |
| Total delinquency | 0.10% (p2 of band) |
| Net charge-offs (annualized) | 0.13% (p9 of band) |
| Loans / shares | 65% (p12 of band) |
| Cash / assets | 20.4% |
| Borrowings / assets | 2.82% |
| Net interest margin | 2.19% (p4 of band) |
| Operating expense / assets | 2.41% (p15 of band) |
| Vehicles % of loans | 17% (p26 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 78% |
| Third-party paper % of net worth | 36% (p21 of band) |
| Vehicle delinquency | 0.13% (p6 of band) |
| Vehicle NCO | 0.50% (p17 of band) |
| Repossessed % of vehicle book | 0.03% (p32 of band) |
| Real estate % of loans | 73% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 22% |
| Core shares % of member funds | 44% |
| Certificates % of member funds | 24% |
| Average share balance | $7,811 |
| Participations bought / yr | $103.4M |
| Participations sold / yr | $0 |
| Participations outstanding | $148.9M |
| Loans outstanding per 100 members | 27% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $44,815 |
| Loans granted, annualized | $958.7M |

## Participation posture (from the same filings)

Bought $103.4M and sold $0 in the latest annualized quarter; $148.9M outstanding purchased (7.9% of net worth), $4.0M sold and retained. Sold in 2 and bought in 1 of the last 8 quarters. Shares -1.1% year over year.

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | 3rd-party paper>100% NW |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | loans>95% of shares |  |
| 2019-03 | 1 |  | loans>95% of shares |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 | net worth falling | 3rd-party paper>100% NW |
| 2020-09 | 2 | loan book shrinking |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | margin squeeze |  |
| 2021-06 | 1 |  | net worth falling, margin squeeze |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | loan book shrinking |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | net worth falling |  |
| 2022-09 | 0 |  | net worth falling |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 1 | leaning on borrowings |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 2 | delinquency rising |  |
| 2024-03 | 1 |  | delinquency rising |
| 2024-06 | 3 | delinquency rising, assets shrinking |  |
| 2024-09 | 1 |  | leaning on borrowings, delinquency rising |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 3 | members leaving, loan book shrinking |  |
| 2025-09 | 2 |  | loan book shrinking |
| 2025-12 | 1 |  | assets shrinking |
| 2026-03 | 1 |  |  |

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

- 2026-04-10 [SDCCU surprises community with free gas through random acts of kindness - CUInsight](https://news.google.com/rss/articles/CBMisgFBVV95cUxQd1FfZHM3SjZaR0FBZnRaa3ExUmRGc1pySnJuZGR4OHU5ZXlBUHIySERra2hIQkd3WnRYcENiTG5DVlVIQi1pWDlfM2xndWVITG5PbnU4VjFxODBIeXM1cmd1LV90b0EwNmVJckpJbmFMekkwRGEwSjk5dkhINWcyMGloR1lpdFRtVjdWTzBIWVlGSkhjdWh4b0JnWlV3M1JZZTdtWks3cXZ5alU1REgxQ05B?oc=5) · CUInsight
- 2026-09-02 [SDCCU partners with Legoland California Resort for free ticket offer - fox5sandiego.com](https://news.google.com/rss/articles/CBMieEFVX3lxTE1HV1NmQVg5UThsVF9QQmFNclNfZk0wb1Q3NUdyN0YtMTc0S3NNQlJXZE5YdHZCQkRZMzd2OWxWNkRPekppRUJwZGFZa3lOVi1adERTS3oxOE9qaVhzSG5PeUdFUmJkUUtPemZXbDZOQVUzYjd6WlFSdtIBfkFVX3lxTFBNcDdacGE3V2duV3JDVXM5akE5eFNxR2RyMFVFV2d5VmVURFJTb25OLWhXVXNpcmxDa2RKeEFYLS1FMHMwWEpDR0hqdVF5MTlTZFBXUzlOVE0tMjdlRUN1QlowTFQwbHZBeTJRVmVuVzV5cHBvTm9yT19BYW9Jdw?oc=5) · fox5sandiego.com
- 2026-05-01 [Judge to San Diego credit unions: Court will not force merger - San Diego Union-Tribune](https://news.google.com/rss/articles/CBMirgFBVV95cUxQa2wwX1BiZ1VXa0dTRndYT1ZaWFdyVGFVaS1oeXdleXU0UkxHREM0QWxCOC1OZHhjalB4VWhpc1FfNngyWjNRVklocWZ4NU54MXVOX2dHVFA0aEpNRlN3U1VpajhLZ0prVVFocGZXdGNLMFRmVXFiT2lCOTdWSmNpY0U1QUljZTJiMkVVLWEteG5IcUxwXy1kcVdPbzdLTUJzZGRYemZaSG9JelZVZmc?oc=5) · San Diego Union-Tribune
- 2026-01-27 [Stay Classy, San Diego: Corporate Governance Turned Asunder at Cal Coast Credit Union - Yahoo Finance](https://news.google.com/rss/articles/CBMigwFBVV95cUxPN2Y4MXYxd3h4X2lqX2daNHRTdzZuSERjeXR3V3ROT25RaktrYUh4SXh1QzNtcEhTYkNENDNQWldCVVNIZ3ZrMzczbVBnSUNEaUVKeEdhV21fNjNXRDJqcG9jSGlqY3BnbGhlNE5rbGhmSHZkMEltbnluZjV4R2p5Wm9wUQ?oc=5) · Yahoo Finance
- 2026-03-12 [Cal Coast Credit Union's compliance failures draw federal rebuke, derail $13.6 billion merger - Financial Regulation News -](https://news.google.com/rss/articles/CBMivAFBVV95cUxPamJrZkpLUUljNXlhWjVXX01xZTdDV2I3cXgyMGs2eFF0YkVCeWZQZ25QNVVkYkNIN3Z5ajNOMEYxWjhnRURHaFprdUl1T05UdEpSMTUxY2QtQmx6VDJOcHNwVlJCU0F6YVItOFJDZUQySWstWGlsS0JNU0pWelVRdEdEeWxaM3VJV3J1eDZNbUxzd1NrbFB0dF9CVWdaWnQwS1NzRVN4OW1LZ3VZendEbGFhcDc4R0FjSFQybg?oc=5) · Financial Regulation News -
- 2026-05-01 [Judge's ruling is likely to scuttle San Diego credit union merger - American Banker](https://news.google.com/rss/articles/CBMiogFBVV95cUxNbllveGdoamVSZXh1WTBZd0xyRkZuZHpFczIybmdFaENlTVp5ZzJzUU5KZjdEY0lsazBtREZ5MmxMSVV0eUZEOERDa3d4cG0tRElKNjJkYnpiMGR2TlV2YkNlUTUyWm5Db3pBNExNS1hSd2JSc0E5OWRwaUk0eGx4V3gtZU1ITi1mdmdwR0s5SjZJeDdMZmZFVk5FeWFXQ0M1WHc?oc=5) · American Banker
- 2026-03-05 [Judge Considers Injunction in Cal Coast-SDCCU Merger Fight - CUTimes](https://news.google.com/rss/articles/CBMimgFBVV95cUxOSTFpM2FuQmIwaDJuOVBqRXpjeG5yd2NGSTY5V3V2czNiWjNneEZOdnlFNWVYcG1MQW9vRzc2Tk9pQ29rUFE1R2l3UFl2N3JGYXFFcnFYenhoS0tiTmpRRE50Uk55a1dIZkh2UlR0bDZpQmdmLW1vblM5d3gzblhoYndJbnBRZF80WjdYX2RGUEp3cmtwWnlhOUp3?oc=5) · CUTimes
- 2026-02-16 [Inside The Cal Coast SDCCU Merger, Part I: Legal Fight Intensifies Before This Week’s Court Hearing - cutoday.info](https://news.google.com/rss/articles/CBMiywFBVV95cUxPa1dFNU1vLWtFclBBRzdIMzllenl1dWtNa1VJa04yOW81bU8wNkdmUDJ6SEdiajNPZkJwVW4xN1BvT1dqV2kyZjVkNG5EVWRYTlFDQUVWS3I1OXBQNzRIY05tZ0Q0YnR4Z2F6LW14aUQ3ZTIwTGk3YjJDTkJIZ2lETy03TEc2WEctWE1heVJjclJaTjhQVUhLekdSTFRfSEd2Y2R5bFhpc2RSdkRvTUVRU19MbzRPLVlTMVdUODBpZXlLM0pGZmlPenJqaw?oc=5) · cutoday.info

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=61004 (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/12.json (key "61004", 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=61004
- 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