Sep, 30, 2025 — ESCONDIDO FEDERAL CREDIT UNION is a federal credit union headquartered in ESCONDIDO, CA with 1 branch location and about $64.28 million in total assets. Opened 67 years ago in 1959, ESCONDIDO FEDERAL CREDIT UNION has about 2,070 members and employs 9 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | ESCONDIDO FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 201 N Broadway ESCONDIDO, CA 92025 |
| Phone: | (760) 839-6225 |
| Fax: | (760) 746-1189 |
| Website: | https://www.escondidofcu.com |
| Branches: | 1 branch locations |
| Members: | 2,070 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 13402 |
|---|---|
| Membership Type: | Multiple common bond - Primarily federal, state, local government |
| Corporate Credit Union: | No |
| Year Opened: | 1959 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $64,283,481 |
| CEO/Manager: | Luz E Armenta |
| Chairperson: | Neil Mueller |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 10,751,391 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 6,482,751 |
| Unsecured Loans | 2,032,412 |
| Other Loans | 14,031,628 |
| TOTAL LOANS | 22,546,791 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -158,391 |
| Land And Building | 0 |
| Other Fixed Assets | 73,543 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 506,785 |
| All Other Assets | 0 |
| TOTAL ASSETS | 64,283,481 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 252,039 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 8,896,998 |
| Regular shares | 29,085,966 |
| All Other Shares & Deposits | 17,544,755 |
| TOTAL SHARES & DEPOSITS | 55,527,719 |
| TOTAL LIABILITIES | 55,779,758 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 8,503,723 |
| TOTAL EQUITY | 8,503,723 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 64,283,481 |
| INCOME & EXPENSE | |
| Loan Income | 947,384 |
| Investment Income | 1,055,592 |
| Other Income | 59,662 |
| Total Employee Compensation & Benefits | 565,207 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 550,829 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 35,261 |
| Cost of Funds | 381,816 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 677,135 |
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