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Overview / Commentary
10075 Carroll Canyon Rd
San Diego, CA 92131

Cabrillo Credit Union is headquartered in San Diego and is the 104th largest credit union in the state of California. It is also the 866th largest credit union in the nation. It was established in 1955 and as of March of 2014, it had grown to 58 employees and 24,868 members. Cabrillo Credit Union has a A+ health rating.

Field of Membership Restrictions

Must live or work in San Diego County. Also open to Federal government employees who live or work in San Diego or Imperial County. - See Details

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Cabrillo Credit Union had $217,000 in non-current loans and owned real-estate with $24.98 million in equity and loan loss allowances on hand to cover it. This gives Cabrillo Credit Union a Texas Ratio of 0.87% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Cabrillo Credit Union experienced no significant changes from 0.86% as of March 31, 2013 to 0.87% as of March 31, 2014, resulting in a negative change of 0.82%. This indicates that the balance sheet and financial strength for Cabrillo Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Cabrillo Credit Union has increased its total deposits by $5.98 million, resulting in 3.17% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Cabrillo Credit Union has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Cabrillo Credit Union has $222.76 million in assets with $24.98 million in equity, resulting in a capitalization level of 11.21%, which is excellent.

Institution Statistics

NCUA #68409
Year Chartered1955
Primary Regulator
Assets and Liabilities
Assets$222.76 million
Loans$119.87 million
Deposits$194.30 million
Equity Capital$23.98 million
Loan Loss Allowance$996,000
Unbacked Noncurrent Loans$217,000
Real Estate Owned$0
Historic Data - March 2013
Assets$214.30 million
Equity Capital$22.15 million
Loan Loss Allowance$1.29 million
Unbacked Noncurrent Loans$217,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.38%
Return on Assets0.62%
Return on Equity5.72%
Interest Income$1.85 million

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Cabrillo Credit Union Savings Account Rates

0.12%--Savings Account
0.12%--Young Explorers Account
0.12%--SOCAL Account
0.12%--Holiday Club Account

Cabrillo Credit Union Money Market Rates

0.25%$50k-Money Market Account

Cabrillo Credit Union Checking Account Rates

0.05%$10k-Advantage Checking
0.05%--Big Easy Checking
0.05%$10k-SOCAL Checking

Cabrillo Credit Union CD Rates

1.41%$10k-60 Month Share Certificate
1.31%$10k-48-59 Month Share Certificate
1.00%$10k-36-47 Month Share Certificate
0.50%$10k-24-35 Month Share Certificate
0.40%$10k-18-23 Month Share Certificate
0.35%$10k-12-17 Month Share Certificate
0.35%$10k-18 Month Bump Rate Certificate
0.25%$10k-6-11 Month Share Certificate
0.15%$1k-6 Month Expedition Certificate
0.15%$2k-3-5 Month Share Certificate
0.15%$500-12 Month SOCAL Certificate

Cabrillo Credit Union IRA Rates

1.41%$10k-60 Month IRA Certificate
1.31%$10k-48-59 Month IRA Certificate
1.00%$10k-36-47 Month IRA Certificate
0.50%$10k-24-35 Month IRA Certificate
0.40%$10k-18-23 Month IRA Certificate
0.35%$10k-12-17 Month IRA Certificate
0.25%$10k-6-11 Month IRA Certificate
0.15%$2k-3-5 Month IRA Certificate

Cabrillo Credit Union Locations
Branch Office7900 El Cajon Blvd Ste BLa Mesa, CA 91942
Branch Office1265 Carlsbad Village Dr Ste 210Carlsbad, CA 92008-1972
Branch Office880 Front StSan Diego, CA 92101-8897
Branch Office358 E H ST Ste 603Chula Vista, CA 91910-7565
Branch Office10075 Carroll Canyon RdSan Diego, CA 92131