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 2007	Rank by ROA 2006	Name and Address	CEO/Telephone	Assets June 30, 2007 (in thousands)	Assets June 30, 2006 (in thousands)	% change in Assets	ROA 6-30-07	Number of Members
1	2	Faith Based Federal Credit Union 2195 Oceanside Blvd. 92054	Daniel Scott (760) 721-2117	985	919	6.7%	4.18	335
2	12	North Island Financial Credit Union P. O. Box 85833, SD 92186-5833	Michael Maslak (619) 656-6582	1,510,545	1,502,068	1%	1.76	107,180
3	4	San Diego County Credit Union 6545 Sequence Dr., SD 92121	Irene Oberbauer (877) 732-2848	3,855,647	3,349,018	15.1%	1.64	184,633
4	9	Escondido Federal Credit Union 2261 East Valley Parkway, Escondido 92027	Diana Wettig (760) 839-6225	29,153	28,596	1.9%	1.4	2,823
5	6	Pacific Marine Credit Union MCX Complex, Camp Pendleton 92055	David L. Davis (760) 430-7511	479,270	464,987	3%	1.39	66,743
6	28	Great American Credit Union P. O. Box 81446, SD 92138	John C. Weaver (619) 296-5800	57,870	59,440	-2.6%	1.08	8,790
7	5	Paradise Valley Federal Credit Union 2805 East 7th St., National City, 91950	John Pressler (800) 253-6991	54,957	56,074	-2%	1.04	5,280
8	7	Cabrillo Credit Union 10075 Carroll Canyon Rd. Suite 20, SD 92131	Robin Lentz (858) 547-7400	167,171	163,773	2%	1.03	20,866
9	1	Chula Vista City Employees Fed. Credit Union 276 Fourth Ave., Chula Vista 91910	Mitch McCarte (619) 691-5240	2,395	2,676	-10.5%	0.85	744
10	8	San Diego Medical Federal Credit Union 8889 Rio San Diego Dr. #100, SD 92108	Paul Lewis (619) 641-1100	61,078	61,323	-0.4%	0.85	7,862
11	3	San Diego Metropolitan Credit Union P. O. Box 719099, SD 92171	Joe Schroeder (619) 297-4835	283,551	276,198	2.7%	0.55	21,899
12	11	First Future Credit Union P. O. Box 509074, SD 92150	Marla Shepard (858) 450-4400	902,912	889,768	1%	0.53	61,724
13	27	Mission Federal Credit Union P. O. Box 919023, SD 92121	Ron C. Martin (800) 500-6328	1,850,478	1,972,237	-6.2%	0.48	128,379
14	15	El Cajon Federal Credit Union 266 S Magnolia Ave. Suite 101, El Cajon 92020	Aletta M. Bostock (619) 579-0941	10,933	10,435	4.8%	0.47	1,082
15	10	San Diego Firefighters Federal Credit Union 10509 San Diego Mission Rd. #A, SD 92108	Ed Daley (619) 283-5477	66,838	66,841	0%	0.43	3,327
16	21	San Diego JACL 1031 25th St. #D, SD 92102	Eileen R. Takahashi (619) 230-0313	1,057	1,165	-9.3%	0.43	317
17	22	Inland Federal Credit Union 570 Broadway, El Cajon 92021	Robert C. Heim (619) 444-5656	9,504	10,236	-7.2%	0.36	2,034
18	13	University and State Employees Credit Union 10120 Pacific Heights Blvd., SD 92121	James Harris (858) 795-6100	833,240	792,142	5.2%	0.31	81,157
19	14	Grossmont Schools Federal Credit Union 1069 Graves Ave. #100, El Cajon 92021	Steven A. Devan (619) 588-1515	76,192	72,153	6%	0.29	5,180
20	19	Sony San Diego Employees Federal Credit Union 16450 Via Esprillo, SD 92127	Sandra D. Crane (858) 942-2775	6,494	6,898	-5.9%	0.27	1,194
21	23	California Coast Credit Union P. O. Box 502080, SD, 92150	James L. McPheters (858) 495-1600	875,292	897,358	-2%	0.26	67,046
22	24	California Feminist Federal Credit Union P. O. Box 16587, SD, 92176	Teryl Springstead (619) 298-7283	1,046	1,137	-8.0%	0.19	287
23	17	Point Loma Credit Union 9420 Farnham St., SD, 92123	Theodore H. Dennis (858) 495-3400	481,845	496,221	-3%	0.16	59,738
24	20	North County Credit Union P. O. Box 298014, SD 92198	Patricia A. Hamilton (858) 487-1880	48,928	50,246	-2.6%	0.14	4,659
25	26	Financial 21 Community Credit Union 440 Beech St., SD 92101	Gene Roberts (619) 233-3101	137,714	134,043	3%	0.13	11,874
26	18	Miramar Federal Credit Union 9494 Miramar Rd., SD 92196	Max R. Paul (858) 695-9494	205,523	213,517	-3.7%	0.04	10,361
27	16	United Services of America Federal Credit Union P. O. Box 26339, SD 92196	Mary Cunningham (858) 831-8100	698,990	711,082	-1.7%	-0.12	58,399
28	25	Ketema Federal Credit Union 792 Greenfield Dr., El Cajon 92021	Lorna D. Stafford-Bentley (619) 588-3414	1,929	2,134	-9.6%	-1.11	567
29	29	LMCC Employees Federal Credit Union P. O. Box 1541, La Mesa 91944	Penny Dunn (619) 462-7030	WND*	3,748	WND	WND	WND

* WND: Would Not Disclose