TellerScore

Mission Federal Credit Union (NCUA charter #14384) is based in San Diego, California. Its Q2 2026 call report shows $7.3B in total assets and $6.3B in member shares and deposits and 18 offices.

Based on its Q2 2026 filing, Mission Federal Credit Union scores 81/100, which we describe as strong. That is higher than 89% of 454 credit unions with $1 billion – $10 billion. Among 238 credit unions headquartered in California, it ranks 45th. Its strongest component is problem-loan coverage (98/100; 0.9%), and its lowest is earnings (66/100; 1.15%).

TellerScore · Q2 2026

Scorecard

Capital cushion73/100
Net worth ratio: 12.27%
Loan quality95/100
Loans 60+ days delinquent ÷ total loans: 0.15%
Earnings66/100
Return on assets (annualized): 1.15%
Funding & liquidity79/100
Loans ÷ shares: 81.3% · 6.9% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.92%

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

From Q2 2025 to Q2 2026, the score rose 4 points (77 → 81), mostly because the earnings component improved by 12 points.

TellerScore
767981Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202481
Q3 202480
Q4 202480
Q1 202576
Q2 202577
Q3 202577
Q4 202576
Q1 202678
Q2 202681
Net worth ratio
7.00%9.63%12.27%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202411.85%
Q3 202412.04%
Q4 202412.10%
Q1 202511.88%
Q2 202512.06%
Q3 202512.08%
Q4 202511.91%
Q1 202612.00%
Q2 202612.27%
Delinquent loans (60+ days)
0.15%0.18%0.21%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.16%
Q3 20240.17%
Q4 20240.15%
Q1 20250.19%
Q2 20250.21%
Q3 20250.15%
Q4 20250.20%
Q1 20260.15%
Q2 20260.15%
Return on assets
0.68%1.01%1.35%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.35%
Q3 20241.19%
Q4 20241.11%
Q1 20250.68%
Q2 20250.84%
Q3 20250.82%
Q4 20250.83%
Q1 20260.86%
Q2 20261.15%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202681$7.3B12.27%0.15%1.15%81.3%
Q1 202678$7.2B12.00%0.15%0.86%79.7%
Q4 202576$7.2B11.91%0.20%0.83%79.9%
Q3 202577$7.0B12.08%0.15%0.82%81.0%
Q2 202577$6.9B12.06%0.21%0.84%80.5%
Q1 202576$6.8B11.88%0.19%0.68%79.7%
Q4 202480$6.6B12.10%0.15%1.11%80.2%
Q3 202480$6.6B12.04%0.17%1.19%79.6%
Q2 202481$6.6B11.85%0.16%1.35%80.7%

454 peers · $1 billion – $10 billion

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 ratio12.27%
71st
Problem loans0.15%
98th
Net charge-offs0.34%
71st
Return on assets1.15%
77th
Loans to deposits81.3%
68th
Uninsured deposits6.9%
73rd
Loan-loss reserves0.00%
50th
Texas ratio0.9%
96th

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
Kinecta Federal Credit UnionCredit union Manhattan Beach, CA58 out of 100, Moderate$6.8B8.7%0.46%vs
Wescom Central Credit UnionCredit union Pasadena, CA59 out of 100, Moderate$6.6B7.9%0.43%vs
Travis Credit UnionCredit union Vacaville, CA65 out of 100, Moderate$5.9B10.4%0.67%vs
California Federal Credit UnionCredit union Glendale, CA65 out of 100, Moderate$5.4B9.4%0.44%vs
Educational Employees Credit UnionCredit union Fresno, CA96 out of 100, Very strong$5.4B14.6%0.20%vs
Chevron Federal Credit UnionCredit union Concord, CA81 out of 100, Strong$5.4B12.4%0.38%vs

Deposit insurance

Is my money safe at Mission Federal Credit Union?

Yes. Mission Federal Credit Union is a federally insured credit union (NCUA charter #14384). 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 6.9% of shares and deposits ($435.9M) are above the $250,000 NCUA insurance limit, below the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 12.27%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

18 locations

Branches

Mission Federal Credit Union lists 18 offices in 10 cities. Most locations:

All branch addresses and map

CFPB TCCP survey · December 31, 2025

Credit card terms

CardPurchase APRAnnual feeLate feeForeign fee
Platinum Rewards Credit Card13.99% – 17.99%$0$252.0%

All Mission Federal Credit Union card terms

Identity & history

Profile

Legal name
Mission Federal Credit Union
Type
Federal credit union
NCUA charter #
14384
RSSD ID
133186
Primary regulator
NCUA
Established
1961
Headquarters
10325 Meanley Dr, San Diego, CA 92131
Employees
706

Quick answers

Mission Federal Credit Union: common questions

Is Mission Federal Credit Union NCUA insured?

Yes. Mission Federal Credit Union is a federally insured credit union (NCUA charter #14384). 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 Mission Federal Credit Union's TellerScore?

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

How many branches does Mission Federal Credit Union have?

18 offices as of the latest NCUA data.