Credit Union Safety Analysis
Is Cabrillo Credit Union Safe? San Diego, California
Based on its Q2 2026 NCUA 5300 call report, Cabrillo Credit Union has a net worth ratio of 9.49%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.92%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Cabrillo Credit Union's net worth ratio is 9.49%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.49%
- Delinquency ratio (60+ days) (Q2 2026): 0.92%
- Return on assets (Q2 2026): 0.47%
- Loan-to-share ratio (Q2 2026): 80.73%
Cabrillo Credit Union (NCUA charter 68409, established 1955) reported $573.5M in assets and 30,303 members for Q2 2026 from San Diego, California. It ranks 87 of 238 credit unions in California by total assets. Total assets grew 9.0% from $526.3M on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 9.33% for Q1 2026; 9.71% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.66% for Q1 2026; 0.29% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.44% for Q1 2026; 1.11% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 78.49% for Q1 2026; 63.62% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $245.6M
- Used vehicle loans: $49.7M
- New vehicle loans: $38.9M
- Other unsecured loans and lines of credit: $33.5M
- Unsecured credit card loans: $26.3M
- Commercial loans: $15.6M
- Other secured non-real estate loans and lines of credit: $3.2M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $573.5M | 9.49% | 0.92% | 0.47% | 80.73% |
| March 31, 2026 | $571.8M | 9.33% | 0.66% | 0.44% | 78.49% |
| December 31, 2025 | $570.6M | 9.24% | 0.75% | 0.57% | 72.87% |
| September 30, 2025 | $544.1M | 9.54% | 0.41% | 0.61% | 65.59% |
| June 30, 2025 | $526.3M | 9.71% | 0.29% | 1.11% | 63.62% |
| March 31, 2025 | $507.7M | 9.78% | 0.16% | 0.46% | 59.75% |
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Free to use. It shows Cabrillo Credit Union’s latest filed figures and updates each quarter.
How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Regulator records: NCUA credit union profile (charter 68409) · FFIEC NIC profile (RSSD 198783)
Frequently asked questions
Is Cabrillo Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Cabrillo Credit Union's net worth ratio is 9.49%, above the 7% NCUA threshold for well capitalized.
Is Cabrillo Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Cabrillo Credit Union is a federally insured credit union (NCUA charter 68409): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Cabrillo Credit Union's key safety ratios?
For Q2 2026, Cabrillo Credit Union reports net worth 9.49%, delinquency 0.92%, ROA 0.47%, loan-to-share 80.73%.
What happens to my money if Cabrillo Credit Union fails?
For Q2 2026, Cabrillo Credit Union held $511.2M in shares and deposits for 30,303 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.