November 2003

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How The Credit Unions Rank

These 32 San Diego County-headquartered credit unions are ranked on Return on Assets (ROA), the most widely used figure for tracking a lender’s performance. A return of 1 percent or more is considered very good. Unusual circumstances, such as being a new credit union or having a large loan go south, can cause a temporary decline.

Rank by ROA 2003
(Rank last year)
 Name and Address
CEO/Telephone
ROA
6-30-03
Assets June 30, 2003 (in thousands)
Assets June 30, 2002 (in thousands)
% change in assets
1
(31)		 United Western States Regional Federal Credit Union 1165 19th St. SD 92102 (1)
Frank Nicholas
(619) 702-0155
2.18
421
472
-11%
2
(1)		 San Diego County Credit Union
6545 Sequence Dr. SD 92121
Rod Calvao
(877) 732-2848
1.94

2,324,285

1,870,936

24%

3
(2)

 Paradise Valley Federal Credit Union
2805 East 7th St. National City 91950

John Pressler
(619) 475-4313

1.54

48,558

39,146

24%

4
(9)

 First Future Credit Union
5890 Pacific Center Blvd. SD 92121

Marla Shepard
(858) 450-4400

1.28

700,526

611,168

15%

5
(12)

 Cabrillo Credit Union
10075 Carroll Canyon Rd., Ste. 20 SD 92131

Robin Lentz
(858) 547-7400

1.23

126,526

96,126

32%

6
(7)

 San Diego Firefighters Federal Credit Union 10509 San Diego Mission Rd. SD 92108

Ed Daley
(619) 283-5477

1.18

51,309

39,691

29%

7
(11)

 California Coast Credit Union
P. O. Box 502080 SD 92150

James L. McPheters (858) 495-1600

1.14

719,785

638,328

13%

8
(10)

 University and State Employees Credit Union 10120 Pacific Heights Blvd. SD 92121

Linda Baughman
(858) 795-6100

1.03

675,491

594,206

14%

9
(3)

 Mission Federal Credit Union
P. O. Box 919023 SD 92121

Ron C. Martin
(800) 500-6328

0.93

1,618,574

1,381,843

17%

10
(8)

 Miramar Federal Credit Union
P. O. Box 261370 SD 92196

Max R. Paul
(858) 695-9494

0.8

229,000

198,098

16%

11
(4)

 Pacific Marine Credit Union
MCX Complex Camp Pendleton 92055

Ludovico L. DeCarlo (760) 430-7511

0.77

415,464

318,293

31%

12
(17)

 North County Credit Union
P. O. Box 298014 SD 92198

Patricia A. Hamilton (619) 487-1880

0.68

48,282

43,793

10%

13
(6)

 Grossmont Schools Federal Credit Union
1069 Graves Ave. #102 El Cajon 9202

Julie Given-Glance
(619) 588-1515

0.67

65,625

57,434

14%

14
(22)

 North Island Financial Credit Union
P. O. Box 85833 SD 92186

Michael Maslak
(619) 656-6525

0.67

1,238,340

1,140,197

9%

15
(24)

 Point Loma CU
9420 Farnham St. SD 92123

Theodore H. Dennis
(858) 495-3400

0.63

508,549

442,739

15%

16
(25)

 Carlsbad City Employees Federal Credit Union 1200 Carlsbad Village Dr., Carlsbad 92008

Jonell Smith
(760) 434-2839

0.62

7,546

6,937

9%

17
(5)

 El Cajon Federal Credit Union
266 S Magnolia Ave., Ste. 101 El Cajon 92020

Aletta M. Bostock
(619) 579-0941

0.61

10,518

8,841

19%

18
(23)

 Great American Credit Union
P. O. Box 81446 SD 92138

John C. Weaver
(619) 296-5800

0.58

66,706

64,142

4%

19
(19)

 Inland Federal Credit Union
570 Broadway El Cajon 92021

Robert C. Heim
(619) 444-5656

0.49

9,582

7,470

28%

20
(13)

 San Diego Medical Federal Credit Union
2365 Northside Dr. #C-120 SD 92108

Paul Lewis
(619) 641-1100

0.48

60,097

46,584

29%

21
(14)

 San Diego Metropolitan Credit Union
P. O. Box 719099 SD 92171

Stuart Camblin
(619) 297-4835

0.41

284,227

255,067

11%

22
(15)

 Escondido Federal Credit Union
2261 East Valley Parkway Escondido 92027

Jeanine Acevedo
(760) 839-6225

0.35

27,436

23,549

17%

23
(26)

 Sony S.D. Employees Federal Credit Union 16450 W. Bernardo Dr. SD 92127

Sandra D. Crane
(858) 942-2775

0.34

6,070

4,394

38%

24
(16)

 Chula Vista City Employees Federal Credit Union 276 Fourth Ave., Chula Vista 91910

Michele McCarte
(619) 691-5840

0.32

2,341

2,147

9%

25
(29)

 San Diego JACL
1031 25th St. #D SD 92102

Eileen R. Takahashi
(619) 230-0313

0.26

1,111

996

12%
26
(30)		 LMCC Employees Federal Credit Union
P. O. Box 1541 La Mesa 91944
Penny Dunn
(619) 462-7030
0.07

4,545

3,570

27%

27
*

 Faith Based Federal Credit Union
620 Mission Ave. Oceanside 92054

Daniel Scott
(760) 435-0600

  

823

Year-over-year data is N/A for this C.U.

  

28
(20)

 Ketema Federal Credit Union
792 Greenfield Dr. El Cajon 92021

Faith Mitchell
(619) 588-3414

0

3,189

3,050

5%
29
(27)		 California Feminist Federal Credit Union
P. O. Box 16587 SD 92176		 Teryl Springstead
(619) 298-1412		 -0.47 1,112 1,094 2%
30
(21)		 United Services of America Federal Credit Union P. O. Box 26339 SD 92196 Mary Cunningham
(858) 831-8100		 -0.71 604,662 502,885 20%
31
(18)		 Sharp Federal Credit Union (Inactive)
3870 Murphy Canyon Rd. #105 SD 92123		 Joann Gibson
(858) 279-7857		   Merged with
Cabrillo C.U. 1-1-03		    
32
(28)		 Financial 21 Community Credit Union
440 Beech St. SD 92101		 Gene Roberts
(619) 233-3101		   No information
available		    
Averages   0.74      

(1) was amalgamated clothing and textile works.

* Not on 2002 list.

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