Cabrillo Credit Union San Diego, California
Cabrillo Credit Union is a state-chartered credit union headquartered in San Diego, CA, established in 1955 (NCUA charter 68409), and it is regulated and insured by the NCUA. At Q2 2026 it reported 30,303 members and total assets of $573.5M (up 9.0% from Q2 2025), the 87th largest of 238 credit unions headquartered in California. Its net worth ratio was 9.49% at Q2 2026, in the well capitalized band.
Also written as Cabrillo CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 68409
- Headquarters
- San Diego, CA
- Established
- 1955
- Total assets, Q2 2026
- $573.5M
- Assets vs Q2 2025
- +9.0%
- Members, Q2 2026
- 30,303
- Net worth ratio, Q2 2026
- 9.49%
- Latest call report
- Q2 2026, NCUA 5300 · Cabrillo Credit Union call report
- Asset rank in state
- 87th of 238 in California
- Routing number
- 322274488
- Branches
- 9
It has 2,711 more members than on June 30, 2025 (+9.8%). Its net worth ratio was down 0.22 percentage points from 9.71% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $245.6M of $412.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.92% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 9.49% net worth ratio is below that band's 11.43% median.
Credit unions similar in size in California
Credit unions merged into Cabrillo Credit Union
Inland Federal Credit Union (2026) · North County Credit Union (2025)
Frequently asked about Cabrillo Credit Union
How big is Cabrillo Credit Union?
At Q2 2026 it reported total assets of $573.5M and 30,303 members.
Where is Cabrillo Credit Union headquartered?
It is headquartered in San Diego, CA, United States.
When was Cabrillo Credit Union founded?
It was established in 1955, per NCUA records.
Is Cabrillo Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 68409): 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 Cabrillo Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Cabrillo Credit Union well capitalized?
Its net worth ratio was 9.49% 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 Cabrillo Credit Union's delinquency ratio?
Its delinquency ratio was 0.92% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Cabrillo Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 80.73% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- San Diego, CA 92123
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1955
- NCUA Charter #
- 68409
- RSSD ID
- 198783
- Members
- 30,303
- Potential members
- 2,600,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 9.49% | 11.43% | 21st bottom |
| Return on assets Middle half of peers: 0.43% to 1.23% | 0.47% | 0.81% | 28th below |
| Return on equity Middle half of peers: 3.87% to 9.84% | 4.98% | 7.02% | 34th below |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 4.05% | 3.70% | 72nd above |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 72.03% | 76.55% | 65th above |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.20% | 1.24% | 53rd above |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.92% | 0.68% | 36th below |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 5.25% | 4.92% | 68th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 80.73% | 75.66% | 62nd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$573.5M total assets against $526.3M; $511.2M total shares and deposits against $470.6M; $412.7M total loans against $299.4M.
$54.4M net worth against $51.1M.
9.49% net worth ratio against 9.71%.
80.73% loan-to-share ratio against 63.62%.
0.92% delinquency ratio against 0.29%.
0.47% return on assets against 1.11%; 4.98% return on equity against 11.43%.
4.05% net interest margin against 3.43%.
30,303 members against 27,592.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 9.49% | 0.47% | 0.92% | 80.73% |
| March 31, 2026 | 9.33% | 0.44% | 0.66% | 78.49% |
| December 31, 2025 | 9.24% | 0.57% | 0.75% | 72.87% |
| September 30, 2025 | 9.54% | 0.61% | 0.41% | 65.59% |
| June 30, 2025 | 9.71% | 1.11% | 0.29% | 63.62% |
| March 31, 2025 | 9.78% | 0.46% | 0.16% | 59.75% |
Scroll sideways to see every column.
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.