These 29 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 2005 | Rank by ROA 2004 | Name and Address | CEO/Telephone | ROA 6-30-05 |
% change in ROA | Assets June 30, 2005 (in thousands) | Assets June 30, 2004 (in thousands) | % change in Assets |
|---|---|---|---|---|---|---|---|---|
| 1 | 1 | San Diego County Credit Union 6545 Sequence Dr., SD 92121 |
Rod Calvao 877-732-2848 |
1.97 | 2.6% | 2,986,599 | 2,624,862 | 13.8% |
| 2 | 2 | Paradise Valley Federal Credit Union 2805 East 7th St. National City 91950 |
John Pressler 619-475-4313 |
1.39 | -27.6% | 55,682 | 52,789 | 5% |
| 3 | 4 | Pacific Marine Credit Union MCX Complex Camp Pendleton 92055 |
David L. Davis 760-430-7511 |
1.3 | 2.4% | 437,230 | 414,001 | 5% |
| 4 | 9 | Escondido Federal Credit Union 2261 East Valley Parkway Escondido 92027 |
Chris Gerow 760-839-6225 |
1.28 | 37.6% | 28,172 | 28,177 | 0% |
| 5 | 6 | San Diego Medical Federal Credit Union 8889 Rio San Diego Dr., #100 SD 92108 |
Paul Lewis 619-641-1100 |
1.2 | 14.3% | 62,847 | 59,079 | 6.4% |
| 6 | 5 | First Future Credit Union P. O. Box 509074 SD 92150 |
Marla Shepard 858-450-4400 |
0.98 | -18.3% | 823,987 | 744,940 | 11% |
| 7 | 3 | Mission Federal Credit Union P. O. Box 919023 SD 92121 |
Ron C. Martin 800-500-6328 |
0.91 | -33.6% | 1,926,401 | 1,793,377 | 7.4% |
| 8 | 8 | Cabrillo Credit Union 10075 Carroll Canyon Rd., Suite 20 SD 92131 |
Robin Lentz 858-547-7400 |
0.88 | -5.4% | 152,549 | 146,735 | 4% |
| 9 | 25 | Chula Vista City Employees Federal Credit Union 276 Fourth Ave., Chula Vista 91910 |
Michele McCarte 619-691-5240 |
0.84 | 1100% | 2,702 | 2,839 | -4.8% |
| 10 | 11 | University and State Employees Credit Union 10120 Pacific Heights Blvd., SD 92121 |
Linda Baughman 858-795-6100 |
0.82 | -4.7% | 726,415 | 739,010 | -1.7% |
| 11 | 15 | United Services of America Federal Credit Union P. O. Box 26339 SD 92196 |
Mary Cunningham 858-831-8100 |
0.73 | 200% | 683,395 | 657,609 | 3.9% |
| 12 | 16 | North Island Financial Credit Union P. O. Box 85833 SD 92186 |
Michael Maslak 619-656-6525 |
0.69 | -1.4% | 1,488,743 | 1,431,246 | 4% |
| 13 | 12 | Grossmont Schools Federal Credit Union 1069 Graves Ave. #100 El Cajon 92021 |
Steven A. Devan 619-588-1515 |
0.67 | -19.3% | 68,777 | 70,456 | -2% |
| 14 | 7 | San Diego Firefighters Federal Credit Union 10509 San Diego Mission Rd. SD 92108 |
Ed Daley 619-283-5477 |
0.65 | -32.3% | 60,287 | 55,447 | 9% |
| 15 | 14 | Miramar Federal Credit Union P. O. Box 261370 SD 92196 |
Max R. Paul 858-695-9494 |
0.59 | -16.9% | 228,417 | 234,049 | -2.4% |
| 16 | 22 | Sony San Diego Employees Federal Credit Union 16450 W. Bernardo Dr., SD 92127 |
Sandra D. Crane 858-942-2775 |
0.47 | 176.5% | 6,868 | 6,047 | 13.6% |
| 17 | 21 | San Diego Metropolitan Credit Union P. O. Box 719099 SD 92171 |
Joe Schroeder 619-297-4835 |
0.46 | 100% | 286,994 | 301,901 | -4.9% |
| 18 | 18 | Inland Federal Credit Union 570 Broadway El Cajon 92021 |
Robert C. Heim 619-444-5656 |
0.45 | -16.7% | 9,684 | 10,163 | -4.7% |
| 19 | 10 | California Coast Credit Union P. O. Box 502080 SD 92150 |
James L. McPheters 858-495-1600 |
0.39 | -55.2% | 875,935 | 785,635 | 11% |
| 20 | 17 | El Cajon Federal Credit Union 266 S Magnolia Ave., Ste. 101 El Cajon 92020 |
Aletta M. Bostock 619-579-0941 |
0.34 | -46.9% | 11,056 | 11,309 | -2.2% |
| 21 | N/A | Financial 21 Community Credit Union 440 Beech St. SD 92101 |
Gene Roberts 619-233-3101 |
0.33 | -56% | 138,615 | 131,190 | 5.7% |
| 22 | 19 | North County Credit Union P. O. Box 298014 SD 92198 |
Patricia A. Hamilton 858-487-1880 |
0.24 | -55.6% | 50,262 | 49,530 | 1.5% |
| 23 | 20 | Great American Credit Union P. O. Box 81446 SD 92138 |
John C. Weaver 619-296-5800 |
0.23 | -30.3% | 70,943 | 74,863 | -5.2% |
| 24 | 26 | Point Loma Credit Union 9420 Farnham St., SD 92123 |
Theodore H. Dennis 858-495-3400 |
0.16 | -300% | 527,465 | 523,188 | 1% |
| 25 | 13 | LMCC Employees Federal Credit Union P. O. Box 1541 La Mesa 91944 |
Penny Dunn 619-462-7030 |
0.04 | -94.6% | 3,748 | 4,356 | -14% |
| 26 | 24 | San Diego JACL 1031 25th St. #D SD 92102 |
Eileen R. Takahashi 619-230-0313 |
0.007 | -91.3% | 1,378 | 1,294 | 6.5% |
| 27 | 23 | Ketema Federal Credit Union 792 Greenfield Dr. El Cajon 92021 |
Bob Heim 619-588-3414 |
-0.56 | 11% | 2,959 | 2,835 | 4.4% |
| 28 | 28 | California Feminist Federal Credit Union P. O. Box 16587 SD 92176 |
Teryl Springstead 619-298-7283 |
-0.93 | -195.7% | 1,102 | 1,143 | -3.6% |
| * | 29 | Faith Based Federal Credit Union 620 Mission Ave. Oceanside 92054 |
Daniel Scott 760-435-0600 |
-5.74 | N/A | 961 | 1,113 | -13.7% |
*Founded in 2002, Faith Based was in start up mode and could not be fairly compared to existing CUs. This is the first year its ROA is being reported on this chart.
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