These 31 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 by ROA 2004	Name and Address	CEO/Telephone	ROA 6-30-04	Assets June 30, 2004 (in thousands)	Assets June 30, 2003 (in thousands)	% change in ROA
2	1	San Diego County Credit Union 6545 Sequence Dr., San Diego 92121	Rod Calvao (877) 732-2848	1.92	2,624,862	2,324,285	-1%
3	2	Paradise Valley Federal Credit Union 2805 East 7th St., National City 91950	John Pressler (619) 475-4313	1.92	52,789	48,558	24.7%
9	3	Mission Federal Credit Union P. O. Box 919023, San Diego 92121	Ron C. Martin (800) 500-6328	1.37	1,793,377	1,618,574	47.3%
11	4	Pacific Marine Credit Union MCX Complex, Camp Pendleton 92055	David L. Davis (760) 430-7511	1.27	414,001	415,464	64.9%
4	5	First Future Credit Union P. O. Box 509074, San Diego 92150	Marla Shepard (858) 450-4400	1.2	744,940	700,526	-6.3%
20	6	San Diego Medical Federal Credit Union 8889 Rio San Diego Dr., #100, San Diego 92108	Paul Lewis (619) 641-1100	1.05	59,079	60,097	118.8%
6	7	San Diego Firefighters Federal C. U. 10509 San Diego Mission Rd., San Diego 92108	Ed Daley (619) 283-5477	0.96	55,447	51,309	-18.6%
5	8	Cabrillo Credit Union 10075 Carroll Canyon Rd., #20, San Diego 92131	Robin Lentz (858) 547-7400	0.93	146,735	126,526	-24.4%
22	9	Escondido Federal Credit Union 2261 East Valley Parkway, Escondido 92027	Jeanine Acevedo (760) 839-6225	0.93	28,177	27,436	165.7%
7	10	California Coast Credit Union P. O. Box 502080, San Diego 92150	James L. McPheters (858) 495-1600	0.87	785,635	719,785	-23.7%
8	11	University and State Employees C.U. 10120 Pacific Heights Blvd., San Diego 92121	Linda Baughman (858) 795-6100	0.86	739,010	675,491	-16.5%
13	12	Grossmont Schools Federal Credit Union 1069 Graves Ave. #100, El Cajon 92021	Steven A. Devan (619) 588-1515	0.83	70,456	65,625	23.9%
26	13	LMCC Employees Federal Credit Union P. O. Box 1541, La Mesa 91944	Penny Dunn (619) 462-7030	0.74	4,356	4,545	957.1%
10	14	Miramar Federal Credit Union P. O. Box 261370, San Diego 92196	Max R. Paul (858) 695-9494	0.71	234,049	229,000	-11.3%
30	15	United Services of America Federal C.U. P. O. Box 26339, San Diego 92196	Mary Cunningham (858) 831-8100	0.71	657,609	604,662	200%
14	16	North Island Financial Credit Union P. O. Box 85833, San Diego 92186	Michael Maslak (619) 656-6525	0.7	1,431,246	1,238,340	4.5%
17	17	El Cajon Federal Credit Union 266 S. Magnolia Ave., #101 El Cajon 92020	Aletta M. Bostock (619) 579-0941	0.64	11,309	10,518	4.9%
19	18	Inland Federal Credit Union 570 Broadway, El Cajon 92021	Robert C. Heim (619) 444-5656	0.54	10,163	9,582	10.2%
12	19	North County Credit Union P. O. Box 298014, San Diego 92198	Patricia A. Hamilton (619) 487-1880	0.47	49,530	48,282	-30.9%
18	20	Great American Credit Union P. O. Box 81446, San Diego 92138	John C. Weaver (619) 296-5800	0.33	74,863	66,706	-43.1%
21	21	San Diego Metropolitan Credit Union P. O. Box 719099, San Diego 92171	Stuart Camblin (619) 297-4835	0.23	301,901	284,227	-43.9%
23	22	Sony San Diego Employees Federal C.U. 16450 W. Bernardo Dr., San Diego 92127	Sandra D. Crane (858) 942-2775	0.17	6,047	6,070	-50%
28	23	Ketema Federal Credit Union 792 Greenfield Dr., El Cajon 92021	Faith Mitchell (619) 588-3414	0.11	2,835	3,189	11%
25	24	San Diego JACL 1031 25th St. #D, San Diego 92102	Eileen R. Takahashi (619) 230-0313	0.08	1,294	1,111	-69.2%
24	25	Chula Vista City Employees Federal C. U. 276 Fourth Ave., Chula Vista 91910	Michele McCarte (619) 691-5840	0.07	2,839	2,341	-78.1%
15	26	Pt. Loma Credit Union 9420 Farnham St., San Diego 92123	Theodore H. Dennis (858) 495-3400	-0.08	523,188	508,549	-112.7%
1	27	United Western States Regional Federal C.U. (UNITE) 2805 East 7th St., National City 91950	Frank Nicholas (619) 702-0155	-0.66	519	421	-130.3%
29	28	California Feminist Federal Credit Union P. O. Box 16587, San Diego 92176	Teryl Springstead (619) 298-1412	-1.39	1,143	1,112	-195.7%
16		Cabrillo C.U. DBA Carlsbad City C.U. 1200 Carlsbad Village Dr., Carlsbad 92008				Merged w/Cabrillo C.U. on 6-1-04
*	*	Faith Based Federal Credit Union 620 Mission Ave., Oceanside 92054	Daniel Scott (760) 435-0600	N/A	1,113	823	N/A
		Financial 21 Community Credit Union 440 Beech St., San Diego 92101	Gene Roberts (619) 233-3101	N/A	N/A	N/A	N/A

*A credit union in its start-up phase is not required to compute or report its ROA.

— Joanne Gribble