Unverified listing What this means
The Lender Report built this page from public records. San Diego County Credit Union has not reviewed it. Every lender's page starts this way, and it says nothing about San Diego County Credit Union itself. Each figure shows its source and date. Work at San Diego County Credit Union? You can claim this page for free.
Credit union, San Diego, CA
San Diego County Credit Union
A credit union based in San Diego, CA. Its commercial book is mostly non-owner-occupied CRE. Public files show recent multifamily and 1-4 unit investor loans it made.
- Kind
- Credit union
- Data as of
- June 30, 2026
- Page last changed
- November 11, 2026
- Commercial book
- $398M
- NCUA 5300,
- Holds, not loans made
- Commercial loans made, H1 2026
- 0
- NCUA 5300,
- Real-estate-secured
- SBA loans, 36 months
- Not reported
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $9.55B
- NCUA 5300,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- 877-732-2848 From the NCUA record, June 30, 2026.
- Website
- www.sdccu.comFrom the NCUA record, November 9, 2026.
- Commercial lending page
- sdccu.comFrom the lender's website, retrieved November 11, 2026.
- Names it files under
- SAN DIEGO COUNTY; SDCCU.com; SDCCUNCUA 5300,
- Address
- 6545 Sequence Dr, San Diego, CA 92121NCUA 5300,
- Regulator record
- NCUA profile
You generally must be a member of a credit union to borrow from it. Field of membership: Non-Federal Credit Union.
Recently done
Some recorded lending
Some recorded lending. One public file shows loans this lender made.
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| 2025 | San Diego County, CA | Refinance, 50 to 99 units | $3.4M | 6.25% | 10 yr | 32% | HMDA 2025 |
| 1 multifamily loan made in 2025 | $3.40M | HMDA 2025 | |||||
A blank means the source did not report it.
What it holds
NCUA 5300, June 30, 2026
| Book | Holds | Of its loans | Year over year | Loans | Average |
|---|---|---|---|---|---|
| Multifamily | $67.0M | 1.3% | -7.4% | 33 | $2.03M |
| Construction and land development | $0 | 0.0% | Not reported | 0 | Not reported |
| Owner-occupied CRE | $3.24M | 0.1% | -7.9% | 4 | $809K |
| Non-owner-occupied CRE | $327M | 6.4% | -5.1% | 114 | $2.87M |
| Farmland | $0 | 0.0% | Not reported | 0 | Not reported |
| Commercial and industrial | $0 | 0.0% | Not reported | 0 | Not reported |
| Other real-estate-secured commercial | $0 | 0.0% | Not reported | Not reported | Not reported |
| Commercial total | $398M |
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $487M |
| Q4 2023 | $478M |
| Q1 2024 | $470M |
| Q2 2024 | $466M |
| Q3 2024 | $451M |
| Q4 2024 | $442M |
| Q1 2025 | $434M |
| Q2 2025 | $421M |
| Q3 2025 | $418M |
| Q4 2025 | $411M |
| Q1 2026 | $406M |
| Q2 2026 | $398M |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| Multifamily, 5 or more units | 2025 | 1 | $3.4M | $3.4M | $3.4M | HMDA, |
| 1-4 unit investor or business purpose | 2025 | 13 | $2.27M | $125K | HMDA, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI).
| Book | Average loan |
|---|---|
| Multifamily | $2.03M |
| Owner-occupied CRE | $809K |
| Non-owner-occupied CRE | $2.87M |
Programs on record: Federal Home Loan Bank member, San Francisco district (FHFA).
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| California HQ | 40 | 1 | 13 | 0 | 0 |
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Business loan cap | $1.17B | $407M to $1.20B across 8 peers | Estimate: the lesser of 1.75 times net worth or 12.25% of assets. Low-income designated credit unions and some others are exempt. Not a statement from the credit union. | NCUA 5300, 12 CFR 723.8, Jun 30, 2026 |
| Business loans outstanding | $473M | $0 to $845M across 8 peers | Net member business loans, as reported on Form 5300. | NCUA 5300, |
| Cap used | 40.4% | 0.0% to 90.9% across 8 peers | Business loans outstanding over the estimated cap. | NCUA 5300, |
| Largest single borrower | $284M | $47.0M to $228M across 8 peers | Estimate: the greater of 15% of net worth or $100,000. Not a limit the credit union has stated. | NCUA 5300, 12 CFR 723.4, Jun 30, 2026 |
| CRE to net worth | 20.8% | 0.0% to 111.7% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by net worth. Our own ratio, not a regulatory test or limit. | NCUA 5300, |
| Loans to assets | 53.9% | 65.4% to 80.1% across 8 peers | Total loans divided by total assets. | NCUA 5300, |
Estimates use the formulas in 12 CFR 723. Low-income designated credit unions and some others are exempt from the cap.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| Patelco Credit Union | CA | $9.77B | $231M |
| Logix Credit Union | CA | $9.69B | $833M |
| California Credit Union | CA | $5.43B | $501M |
| Stanford Credit Union | CA | $4.64B | $456M |
| Premier America Credit Union | CA | $3.32B | $366M |
| Kinecta Credit Union | CA | $6.77B | $709M |
| California Coast Credit Union | CA | $3.48B | $275M |
| Star One Credit Union | CA | $9.70B | $0 |
What we don't know
- Whether it is taking new loans today, or on what terms.
- Who can join. A credit union lends only to its members, and field of membership decides who qualifies.
- Whether it made any commercial real estate loans in the first half of 2026. It reported none, and the 5300 covers only what it files.
- Whether it makes SBA loans. No SBA loans are on file under this name for the 36 months to September 30, 2026.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
- Credit union concentration ratios here are our own calculation against net worth. They are not a regulatory test or limit. Originations are Jan-Jun 2026 year to date.
Check this page
Against the regulator's own record
- Name and charter. San Diego County Credit Union, NCUA charter 61004. Compare it with the regulator's record. [NCUA profile]
- Balances. $9.55B in total assets and $398M in commercial loans held, from the NCUA 5300 for June 30, 2026. [Source]
- Loans made. Your NCUA Form 5300 for June 30, 2026 reports no commercial loans made, and 14 loans in the HMDA file, in 2025: 1 HMDA multifamily 2025, 13 HMDA 1-4 unit investor 2025. [How each file was tied to San Diego County Credit Union]
- Phone and website. Phone 877-732-2848, from the NCUA record. Website sdccu.com, from the NCUA record. [How to reach them]
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For the record
Data as of June 30, 2026. Page last changed November 11, 2026.
- Regulator
- NCUA and state regulator
- NCUA charter
- 61004
- RSSD
- 301190
- LEI
- 549300E51HYVR7T2SU19
- The Lender Report ID
- lr_000207
- Main office county
- San Diego
- Members
- 405,880
- NCUA region
- 3 - Western
NCUA credit union details,
- Reported $9.5B in total assets as of June 30, 2026 (NCUA 5300).
- Held $397.5M of commercial and commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $327.3M of non-owner-occupied commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $67M of multifamily loans as of June 30, 2026 (NCUA 5300).
- Held $3.2M of owner-occupied commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Originated 1 multifamily loan totaling $3.4M in 2025 (HMDA).
2 more sentences
- Originated 13 1-4 unit investor or business-purpose loans totaling $2.3M in 2025 (HMDA).
- Listed 40 offices in 1 state (NCUA).
Cite this
Source: The Lender Report, San Diego County Credit Union, https://lender.report/lender/san-diego-county-credit-union-ca/, data as of June 30, 2026.
Sources
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Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem