TellerScore

Headquartered in Escondido, California, Escondido Federal Credit Union is a federal credit union with $66.8M in total assets and $57.4M in member shares and deposits as of Q2 2026. Its charter dates back to 1959.

Based on its Q2 2026 filing, Escondido Federal Credit Union scores 89/100, which we describe as very strong. That is higher than 87% of 2,479 credit unions with under $100 million in assets. Among 238 credit unions headquartered in California, it ranks 15th. Its strongest component is funding & liquidity (100/100; 39% loans-to-deposits, 8% uninsured), and its lowest is earnings (67/100; 1.17%).

TellerScore · Q2 2026

Scorecard

Capital cushion87/100
Net worth ratio: 13.67%
Loan quality98/100
Loans 60+ days delinquent ÷ total loans: 0.06%
Earnings67/100
Return on assets (annualized): 1.17%
Funding & liquidity100/100
Loans ÷ shares: 39.3% · 8.0% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.15%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (89 → 89).

TellerScore
858891Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202490
Q3 202491
Q4 202489
Q1 202589
Q2 202589
Q3 202590
Q4 202590
Q1 202685
Q2 202689
Net worth ratio
7.00%10.34%13.67%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.59%
Q3 202413.07%
Q4 202412.88%
Q1 202512.66%
Q2 202513.04%
Q3 202513.26%
Q4 202513.38%
Q1 202613.41%
Q2 202613.67%
Delinquent loans (60+ days)
0.01%0.08%0.15%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.02%
Q3 20240.04%
Q4 20240.02%
Q1 20250.01%
Q2 20250.02%
Q3 20250.04%
Q4 20250.01%
Q1 20260.15%
Q2 20260.06%
Return on assets
0.85%1.23%1.62%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.62%
Q3 20241.57%
Q4 20241.44%
Q1 20251.46%
Q2 20251.43%
Q3 20251.40%
Q4 20251.40%
Q1 20260.85%
Q2 20261.17%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202689$66.8M13.67%0.06%1.17%39.3%
Q1 202685$66.2M13.41%0.15%0.85%38.7%
Q4 202590$65.4M13.38%0.01%1.40%39.8%
Q3 202590$64.3M13.26%0.04%1.40%40.6%
Q2 202589$63.6M13.04%0.02%1.43%40.0%
Q1 202589$63.8M12.66%0.01%1.46%39.0%
Q4 202489$60.9M12.88%0.02%1.44%42.3%
Q3 202491$58.8M13.07%0.04%1.57%43.6%
Q2 202490$59.3M12.59%0.02%1.62%41.5%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio13.67%
44th
Problem loans0.06%
83rd
Net charge-offs0.19%
48th
Return on assets1.17%
75th
Loans to deposits39.3%
79th
Uninsured deposits8.0%
10th
Loan-loss reserves0.00%
37th
Texas ratio0.2%
83rd

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
Delta Schools Federal Credit UnionCredit union Antioch, CA81 out of 100, Strong$66.5M10.7%0.00%vs
Shell Western States Federal Credit UnionCredit union Martinez, CA64 out of 100, Moderate$66.0M10.4%0.52%vs
Santa Barbara County Federal Credit UnionCredit union Santa Barbara, CA92 out of 100, Very strong$64.8M13.5%0.04%vs
Rolling F Credit UnionCredit union Turlock, CA75 out of 100, Strong$63.9M12.0%0.80%vs
Parishioners Federal Credit UnionCredit union Torrance, CA44 out of 100, Below average$69.9M8.8%2.25%vs
Bopti Federal Credit UnionCredit union San Pedro, CA76 out of 100, Strong$63.3M24.8%1.52%vs

Deposit insurance

Is my money safe at Escondido Federal Credit Union?

Yes. Escondido Federal Credit Union is a federally insured credit union (NCUA charter #13402). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 8.0% of shares and deposits ($4.6M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 13.67%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
Escondido Federal Credit Union
Type
Federal credit union
NCUA charter #
13402
RSSD ID
827980
Primary regulator
NCUA
Established
1959
Headquarters
PO Box 1957, Escondido, CA 92033
Employees
8

Quick answers

Escondido Federal Credit Union: common questions

Is Escondido Federal Credit Union NCUA insured?

Yes. Escondido Federal Credit Union is a federally insured credit union (NCUA charter #13402). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Escondido Federal Credit Union's TellerScore?

89 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.