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 2006	Rank by ROA 2005	Name and Address	CEO/Telephone	ROA 6/30/06 (05)	Members	Assets June 30, 2006 (in thousands)	Assets June 30, 2005 (in thousands)	% change in Assets
1	9	Chula Vista City Employees Fed. Credit Union 276 Fourth Ave., Chula Vista 91910	Mitch McCarte (619) 691-5240	2.39 (0.84)	790	2,676	2,702	-1.0%
2	*	Faith Based Federal Credit Union 2195 Oceanside Blvd., Oceanside 92054	Daniel Scott (760) 435-0600	2.39 (-5.74)	274	919	961	-4.4%
3	17	San Diego Metropolitan Credit Union P. O. Box 719099 SD 92171	Joe Schroeder (619) 297-4835	1.71 (0.46)	23,477	276,198	286,994	-3.8%
4	1	San Diego County Credit Union 6545 Sequence Dr., SD 92121	Rod Calvao (877) 732-2848	1.66 (1.97)	174,439	3,349,018	2,986,599	12.1%
5	2	Paradise Valley Federal Credit Union 2805 East 7th St. National City 91950	John Pressler (619) 475-4313	1.47 (1.39)	5,472	56,074	55,682	1%
6	3	Pacific Marine Credit Union MCX Complex Camp Pendleton 92055	David L. Davis (760) 430-7511	1.34 (1.30)	68,897	464,987	437,230	6%
7	8	Cabrillo Credit Union 10075 Carroll Canyon Rd., Suite 20 SD 92131	Robin Lentz (858) 547-7400	1.13 (0.88)	20,396	163,773	152,549	7%
8	5	San Diego Medical Federal Credit Union 8889 Rio San Diego Dr., #100 SD 92108	Paul Lewis (619) 641-1100	1.03 (1.20)	8,589	61,323	62,847	-2.4%
9	4	Escondido Federal Credit Union 2261 East Valley Parkway Escondido 92027	Diana Wettig (760) 839-6225	0.82 (1.28)	2,851	28,596	28,172	1.5%
10	14	San Diego Firefighters Federal Credit Union 10509 San Diego Mission Rd. SD 92108	Ed Daley (619) 283-5477	0.60 (0.65)	3,244	66,841	60,287	11%
11	6	First Future Credit Union P. O. Box 509074 SD 92150	Marla Shepard (858) 450-4400	0.65 (0.98)	60,184	889,768	823,987	8%
12	12	North Island Financial Credit Union P. O. Box 85833 SD 92186	Michael Maslak (619) 656-6525	0.57 (0.69)	117,766	1,502,068	1,488,743	1%
13	10	University and State Employees Credit Union 10120 Pacific Heights Blvd., SD 92121	James Harris (858) 795-6100	0.56 (0.82)	72,752	792,142	726,415	9%
14	13	Grossmont Schools Federal Credit Union 1069 Graves Ave. #100 El Cajon 92021	Steven A. Devan (619) 588-1515	0.56 (0.67)	5,212	72,153	68,777	5%
15	20	El Cajon Federal Credit Union 266 S Magnolia Ave., Ste. 101 El Cajon 92020	Aletta M. Bostock (619) 579-0941	0.48 (0.34)	1,122	10,435	11,056	-5.6%
16	11	United Services of America Federal Credit Union P. O. Box 26339 SD 92196	Mary Cunningham (858) 831-8100	0.41 (0.73)	60,962	711,082	683,395	4.1%
17	23	Point Loma Credit Union 9420 Farnham St., SD 92123	Theodore H. Dennis (858) 495-3400	0.36 (0.16)	70,951	496,221	527,465	-6%
18	15	Miramar Federal Credit Union 9494 Miramar Road, SD 92126	Max R. Paul (858) 695-9494	0.35 (0.59)	10,830	213,517	228,417	-6.5%
19	16	Sony San Diego Employees Federal Credit Union 16450 W. Bernardo Dr., SD 92127	Sandra D. Crane (858) 942-2775	0.30 (0.47)	1,293	6,898	6,868	0.4%
20	21	North County Credit Union P. O. Box 298014 SD 92198	Patricia A. Hamilton (858) 487-1880	0.28 (0.24)	5,304	50,246	50,262	0.0%
21	25	San Diego JACL 1031 25th St. #D SD 92102	Eileen R. Takahashi (619) 230-0313	0.28 (0.07)	321	1,165	1,378	-15.5%
22	18	Inland Federal Credit Union 570 Broadway El Cajon 92021	Robert C. Heim (619) 444-5656	0.19 (0.45)	2,133	10,236	9,684	5.7%
23	19	California Coast Credit Union P. O. Box 502080 SD 92150	James L. McPheters (858) 495-1600	0.12 (0.39)	72,738	897,358	875,935	2%
24	27	California Feminist Federal Credit Union P. O. Box 16587 SD 92176	Teryl Springstead (619) 298-7283	0.12 (-0.93)	303	1,137	1,102	3.2%
25	26	Ketema Federal Credit Union 792 Greenfield Dr. El Cajon 92021	Lorna D. Stafford-Bentley (619) 588-3414	0.11 (-0.56)	453	2,134	2,959	-27.9%
26	*	Financial 21 Community Credit Union 440 Beech St. SD 92101	Gene Roberts (619) 233-3101	0.10 (0.33)	N/A	134,043	134,043	0%
27	7	Mission Federal Credit Union P. O. Box 919023 SD 92121	Ron C. Martin (800) 500-6328	0.00 (0.91)	136,171	1,972,237	1,926,401	2.4%
28	22	Great American Credit Union P. O. Box 81446 SD 92138	John C. Weaver (619) 296-5800	-2.44 (-0.23)	9,708	59,440	70,943	-16.2%
N/A	24	LMCC Employees Federal Credit Union P. O. Box 1541 La Mesa 91944	Penny Dunn (619) 462-7030	0.00 (.04)	N/A	3,748	3,748	0.0%

*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.