Blupeak Federal Credit Union San Diego, California
Blupeak Federal Credit Union is a federal credit union headquartered in San Diego, CA, established in 1936 (NCUA charter 60801), and it is regulated and insured by the NCUA. At Q2 2026 it reported 51,375 members and total assets of $1.09B (down 6.6% from Q2 2025), the 63rd largest of 238 credit unions headquartered in California. Its net worth ratio was 9.69% at Q2 2026, in the well capitalized band.
Also written as Blupeak FCU · Trade name filed with the NCUA: USE Credit Union
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 60801
- Headquarters
- San Diego, CA
- Established
- 1936
- Total assets, Q2 2026
- $1.09B
- Assets vs Q2 2025
- -6.6%
- Members, Q2 2026
- 51,375
- Net worth ratio, Q2 2026
- 9.69%
- Latest call report
- Q2 2026, NCUA 5300 · Blupeak Federal Credit Union call report
- Asset rank in state
- 63rd of 238 in California
- Routing number
- 322281691
- Branches
- 6
It has 2,717 fewer members than on June 30, 2025 (-5.0%). Its net worth ratio was up 0.78 percentage points from 8.91% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $392.6M of $743.3M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.03% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 9.69% net worth ratio is below that band's 10.89% median.
Credit unions similar in size in California
Frequently asked about Blupeak Federal Credit Union
How big is Blupeak Federal Credit Union?
At Q2 2026 it reported total assets of $1.09B and 51,375 members.
Where is Blupeak Federal Credit Union headquartered?
It is headquartered in San Diego, CA, United States.
When was Blupeak Federal Credit Union founded?
It was established in 1936, per NCUA records.
Is Blupeak Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 60801): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Blupeak Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Blupeak Federal Credit Union well capitalized?
Its net worth ratio was 9.69% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Blupeak Federal Credit Union's delinquency ratio?
Its delinquency ratio was 1.03% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Blupeak Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 74.44% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- San Diego, CA 92121
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1936
- NCUA Charter #
- 60801
- RSSD ID
- 243197
- Members
- 51,375
- Potential members
- 5,173,110
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures and in the bottom quartile on 4.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 9.69% | 10.89% | 23rd bottom |
| Return on assets Middle half of peers: 0.59% to 1.25% | 0.20% | 0.89% | under 10th bottom |
| Return on equity Middle half of peers: 5.37% to 10.92% | 2.03% | 8.07% | under 10th bottom |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.14% | 3.45% | 31st below |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 91.32% | 70.59% | under 10th bottom |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 0.80% | 1.68% | over 90th top |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 1.03% | 0.68% | 26th below |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 3.93% | 5.12% | under 10th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 74.44% | 88.03% | 21st position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$1.09B total assets against $1.17B; $998.4M total shares and deposits against $1.08B; $743.3M total loans against $774.9M.
$106.0M net worth against $104.3M.
9.69% net worth ratio against 8.91%.
74.44% loan-to-share ratio against 71.88%.
1.03% delinquency ratio against 0.27%.
0.20% return on assets against 0.28%; 2.03% return on equity against 3.09%.
3.14% net interest margin against 2.73%.
51,375 members against 54,092.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 9.69% | 0.20% | 1.03% | 74.44% |
| March 31, 2026 | 9.34% | 0.15% | 0.30% | 72.10% |
| December 31, 2025 | 9.27% | 0.20% | 0.30% | 71.84% |
| September 30, 2025 | 9.16% | 0.16% | 0.23% | 72.86% |
| June 30, 2025 | 8.91% | 0.28% | 0.27% | 71.88% |
| March 31, 2025 | 8.67% | 0.18% | 1.98% | 73.11% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.