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Overview / Commentary
17045 Via Del Campo
San Diego, CA 92127

North County Credit Union is headquartered in San Diego and is the 197th largest credit union in the state of California. It is also the 2,114st largest credit union in the nation. It was established in 1953 and as of March of 2014, it had grown to 12 employees and 3,831 members. North County Credit Union's savings rates are 94% higher than the national average, and it has a B health rating.

Field of Membership Restrictions

Must live or work in Inland North County in San Diego County, California. Once you join, your immediate family is also eligible for North County CU membership. - See Details

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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. North County Credit Union has a relatively low asset base.

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 North County Credit Union had $99,000 in non-current loans and owned real-estate with $5.09 million in equity and loan loss allowances on hand to cover it. This gives North County Credit Union a Texas Ratio of 1.94% 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 North County Credit Union experienced no significant changes from 1.62% as of March 31, 2013 to 1.94% as of March 31, 2014, resulting in a negative change of 19.89%. This indicates that the balance sheet and financial strength for North County Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, North County Credit Union has decreased its total deposits by $-167,000, resulting in -0.31% 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 North County Credit Union has shown is average.



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. North County Credit Union has $59.42 million in assets with $5.09 million in equity, resulting in a capitalization level of 8.57%, which is average.

Institution Statistics

NCUA #68463
Year Chartered1953
Primary Regulator
Assets and Liabilities
Assets$59.43 million
Loans$35.20 million
Deposits$54.16 million
Equity Capital$4.84 million
Loan Loss Allowance$257,000
Unbacked Noncurrent Loans$99,000
Real Estate Owned$0
Historic Data - March 2013
Assets$59.36 million
Equity Capital$4.77 million
Loan Loss Allowance$352,000
Unbacked Noncurrent Loans$99,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.05%
Return on Assets0.59%
Return on Equity7.28%
Interest Income$491,000

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North County Credit Union Savings Account Rates

1.01%-$10kPay Yourself Savings
0.15%$100k-IRA Savings Education
0.15%$10k-IRA Savings Roth
0.10%$100-Membership Savings
0.10%$100-IRA Savings Traditional

North County Credit Union Money Market Rates


North County Credit Union Checking Account Rates

3.05%-$2,500Green Builder Checking Account
0.00%$1,500-Direct Deposit Checking

North County Credit Union CD Rates

1.01%$100k-60 Month Boost! CD
0.85%$100k-48 Month CD
0.70%$100k-36 Month Boost! CD
0.55%$100k-24 Month Boost! CD
0.30%$100k-6 Month CD
0.30%$100k-12 Month CD

North County Credit Union IRA Rates

1.10%$100k-5 Year Boost!Certificate Traditional IRA
0.85%$100k-4 Year Fixed Rate Traditional IRA
0.70%$100k-3 Year Fixed Rate Traditional IRA
0.55%$100k-2 Year Fixed Rate Traditional IRA
0.30%$100k-1 Year Fixed Rate Traditional IRA

North County Credit Union Locations
Branch Office17045 Via Del CampoSan Diego, CA 92127