Mission Federal Credit Union San Diego, California
Mission Federal Credit Union is a federal credit union headquartered in San Diego, CA, established in 1961 (NCUA charter 14384), and it is regulated and insured by the NCUA. At Q2 2026 it reported 331,664 members and total assets of $7.29B (up 6.1% from Q2 2025), the 9th largest of 238 credit unions headquartered in California. Its net worth ratio was 12.27% at Q2 2026, in the well capitalized band.
Also written as Mission FCU · Trade names filed with the NCUA: MissionFed.com, Mission Federal, Mission Fed and Mission Fed Credit Union
BankRegReports is independent of Mission Federal Credit Union and never asks for online banking logins or passwords.
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
- 14384
- Headquarters
- San Diego, CA
- Established
- 1961
- Total assets, Q2 2026
- $7.29B
- Assets vs Q2 2025
- +6.1%
- Members, Q2 2026
- 331,664
- Net worth ratio, Q2 2026
- 12.27%
- Latest call report
- Q2 2026, NCUA 5300 · Mission Federal Credit Union call report
- Asset rank in state
- 9th of 238 in California
- Routing number
- 322281507
- Branches
- 36
It has 12,638 more members than on June 30, 2025 (+4.0%). Its net worth ratio was up 0.21 percentage points from 12.06% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $2.92B of $5.16B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.15% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 12.27% net worth ratio is above that band's 10.89% median.
Frequently asked about Mission Federal Credit Union
How big is Mission Federal Credit Union?
At Q2 2026 it reported total assets of $7.29B and 331,664 members.
Where is Mission Federal Credit Union headquartered?
It is headquartered in San Diego, CA, United States.
When was Mission Federal Credit Union founded?
It was established in 1961, per NCUA records.
Is Mission Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 14384): 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 Mission Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Mission Federal Credit Union well capitalized?
Its net worth ratio was 12.27% 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 Mission Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.15% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Mission Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 81.33% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- San Diego, CA 92131
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1961
- NCUA Charter #
- 14384
- RSSD ID
- 133186
- Members
- 331,664
- Potential members
- 2,950,584
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 4 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 12.63% | 12.27% | 10.89% | 70th above |
| Return on assets Middle half of peers: 0.59% to 1.25% | 1.45% | 0.89% | 83rd top |
| Return on equity Middle half of peers: 5.37% to 10.92% | 11.84% | 8.07% | 80th top |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 2.61% | 3.45% | 11th bottom |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 56.82% | 70.59% | 89th top |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.81% | 1.68% | 40th below |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.15% | 0.68% | over 90th top |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 4.42% | 5.12% | 12th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 81.33% | 88.03% | 33rd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$7.29B total assets against $6.87B; $6.35B total shares and deposits against $6.00B; $5.16B total loans against $4.83B.
$894.4M net worth against $829.5M.
12.27% net worth ratio against 12.06%.
81.33% loan-to-share ratio against 80.53%.
0.15% delinquency ratio against 0.21%.
1.45% return on assets against 1.01%; 11.84% return on equity against 8.35%.
2.61% net interest margin against 2.53%.
331,664 members against 319,026.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 12.27% | 1.45% | 0.15% | 81.33% |
| March 31, 2026 | 12.00% | 0.86% | 0.15% | 79.73% |
| December 31, 2025 | 11.91% | 0.93% | 0.20% | 79.86% |
| September 30, 2025 | 12.08% | 0.82% | 0.15% | 81.00% |
| June 30, 2025 | 12.06% | 1.01% | 0.21% | 80.53% |
| March 31, 2025 | 11.88% | 0.68% | 0.19% | 79.71% |
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.