San Diego County Credit Union
501(c)(14)
Only null% goes to programs Strong reserves Growing revenue
San Diego County Credit Union is a 501(c)(14) organization based in San Diego, California, registered in 1961, with $423,032,905 in FY2024 revenue. CharityIndex grades it B+.
6545 Sequence Dr, San Diego, CA, 92121 EIN 95-1184903 Since 1961
Revenue (FY2024)
$423.0M
▼ 5.5% vs prior year
Expenses (FY2024)
$357.3M
Net assets
$1.2B
Employees
1,107
CharityIndex rating
One independent A+ to F grade from four published criteria, each scored separately from IRS filings and combined by weight.
B+
—Program efficiency40% of the ratingNo expense breakdown in filings
Measures how much of every dollar spent actually reaches programs, plus what it costs to raise $100 of donations. The worse of the two measures sets the letter (85%+ to programs is an A; under $15 to raise $100 is an A), averaged over the three most recent filings. Not scored for San Diego County Credit Union— this filing type doesn't report it, and the rating simply skips it (never counts it against the organization). See the exact thresholds →
AFinancial health25% of the rating41 mo reserves · +16% margin
Measures whether the organization is built to last: how many months its reserves would cover expenses (3+ months earns an A-range score, but hoarding 5+ years of budget is capped) and whether it runs a surplus or a deficit. For San Diego County Credit Union: 41 mo reserves · +16% margin earns a A on this criterion. See the exact thresholds →
BGovernance25% of the rating4 of 6 checks met
Checks how the organization is run, from its own Form 990: an independent board majority, a board of five or more, conflict-of-interest, whistleblower and document-retention policies, and independently audited financials. The share of disclosed checks that pass sets the letter. For San Diego County Credit Union: 4 of 6 checks met earns a B on this criterion. See the exact thresholds →
ATransparency10% of the rating4 of 5 disclosure signals
Counts five disclosure signals: a recent filing, a mission statement, program descriptions, a listed website, and the full expense breakdown. More disclosure, better letter. For San Diego County Credit Union: 4 of 5 disclosure signals earns a A on this criterion. See the exact thresholds →
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Mission
State-chartered credit union providing financial services to members
What they do
Provide deposit products and services to membership
Provide other financial services to membership
Contact & location
- Address
- 6545 Sequence Dr, San Diego, CA, 92121
- City
- San Diego
- State
- California
- Category
- —
- Subcategory
- —
- Phone
- …
- Website
- …
Financial trends
Revenue grew from $221.7M (FY2013) to $423.0M (FY2024) across 12 reported years.
Financial snapshot
Financial health & position (FY2024)
Liabilities $7.9BNet assets $1.2B
Operating margin
15.5%
Revenue exceeded expenses in the latest fiscal year.
Total assets
$9.2B
Total liabilities
$7.9B
Net assets
$1.2B
Salaries & benefits
$103.5M
29% of expenses
Board members
10
10 independent
Financials by year
| Fiscal year | Revenue | Expenses | Net assets | Total assets | Form |
|---|---|---|---|---|---|
| 2024 | $423,032,905▼5.5% | $357,260,786 | $1,217,234,205▼29.2% | $9,165,817,993▼32.0% | 990 |
| 2023 | $447,679,679▲35.9% | $357,399,536▲54.5% | $1,719,595,774▲2.9% | $13,480,213,226▲19.9% | 990 |
| 2022 | $329,477,426▲7.9% | $231,277,617▲12.9% | $1,671,287,355▲6.3% | $11,238,527,302▲3.9% | 990 |
| 2021 | $305,241,036▼2.1% | $204,797,185▼14.8% | $1,572,885,373▲6.8% | $10,817,931,463▲11.6% | 990 |
| 2020 | $311,815,699▼9.3% | $240,302,485▼4.0% | $1,472,442,153▲5.1% | $9,693,856,295▲14.5% | 990 |
| 2019 | $343,670,713▲3.3% | $250,260,659▲10.6% | $1,400,929,602▲7.1% | $8,469,209,045▲3.9% | 990 |
| 2018 | $332,650,465▲9.7% | $226,367,296▲12.2% | $1,307,519,663▲8.8% | $8,150,276,552▼1.4% | 990 |
| 2017 | $303,231,691▲5.6% | $201,737,461▲11.4% | $1,201,237,246▲9.2% | $8,262,116,445▲4.6% | 990 |
| 2016 | $287,255,782▲14.4% | $181,116,645▲11.0% | $1,099,743,694▲10.7% | $7,901,403,748▲10.2% | 990 |
| 2015 | $251,061,382▲6.0% | $163,175,051▲15.4% | $993,604,639▲9.7% | $7,169,792,526▲6.5% | 990 |
| 2014 | $236,829,269▲6.8% | $141,353,465▲7.4% | $905,720,118▲11.8% | $6,731,716,805▲6.0% | 990 |
| 2013 | $221,670,018 | $131,608,131▼6.0% | $810,245,785▲12.5% | $6,348,541,558▲8.8% | 990 |
| 2012 | — | $139,939,819▼10.9% | $720,187,711▲13.0% | $5,836,542,937▲6.9% | 990 |
| 2011 | — | $156,987,370▼12.6% | $637,310,775▲8.8% | $5,459,615,811▲9.9% | 990 |
| 2010 | — | $179,716,700 | $585,601,757 | $4,968,092,780 | 990 |
Original Form 990 PDFs (the Form column) are served by ProPublica Nonprofit Explorer, as filed with the IRS. Create a free account to download the CSV report.
Leadership & compensation (FY2024)
Highest-paid: Teresa Campbell — $18,843,588 (5.27% of total expenses)
| Name | Title | Hours/week | Compensation |
|---|---|---|---|
| Teresa Campbell | Ceo & President | 60 | $18,843,588 |
| Nathan Schmidt | Evp, Chief Experience Offi | 60 | $1,593,151 |
| David Perkins | Evp, Information Technolog | 60 | $889,510 |
| Michael Bradshaw | Evp, Real Estate Lending | 60 | $799,149 |
| Aaron Sato | Cfo & Executive Vice Presi | 60 | $739,689 |
| Carolyn Kissick | Evp, Erm & Chief Risk Offi | 60 | $716,840 |
| Ryan Little | Evp, Consumer Lending | 60 | $687,357 |
| Cindy Le | Evp, Retail | 60 | $649,627 |
| Sheena Peoples | Evp, Operations & Chief Sa | 60 | $599,729 |
| Lauren Lappinga | Evp, Human Resources | 60 | $573,955 |
| Scott Carroll | Chief Technology Officer | 40 | $423,386 |
| Dejan Tasich | Financial Advisor | 40 | $411,928 |
| Bradley Bates | Svp, Internal Audit | 40 | $397,680 |
| William Burke Allred | Financial Advisor | 40 | $393,353 |
| Donald Jarrett | Svp, Real Estate | 40 | $357,341 |
| Ashlee Scott | Former Evp, Chief Financial Officer (05/13/2022) | 40 | $204,656 |
| Michelle Pagni | Former Evp, Retail | 40 | $184,657 |
| Steve Reuel | Director | 2 | $6,265 |
| Christopher Hart | Director | 2 | $1,658 |
| Ken Van Riper | Director | 2 | $1,150 |
Top vendors & contractors (FY2024)
| Contractor | Services | Paid |
|---|---|---|
| Sheppard Mullin Richter & Hampton LLP | Legal Services | $2,042,344 |
| Kpmg LLP | Audit Services | $1,502,664 |
| Microsoft Corporation | Software | $1,270,978 |
| Allied Universal Security Services | Security Services | $1,184,217 |
| Loomis | Cash Handling Services | $1,109,099 |
Frequently asked questions
- Is San Diego County Credit Union a legitimate nonprofit?
- Yes. San Diego County Credit Union is a 501(c)(14) organization registered with the U.S. Internal Revenue Service under EIN 95-1184903, based in San Diego, California.
- What is San Diego County Credit Union's EIN?
- San Diego County Credit Union's Employer Identification Number (EIN) is 95-1184903.
- How much revenue does San Diego County Credit Union report?
- San Diego County Credit Union reported $423,032,905 in total revenue on its fiscal year 2024 IRS Form 990 filing.
- What financial grade does San Diego County Credit Union have?
- CharityIndex grades San Diego County Credit Union B+, based on financial health (reserves and operating margin).
- How much does San Diego County Credit Union's highest-paid employee make?
- The highest reported compensation on San Diego County Credit Union's latest Form 990 is $18,843,588, paid to Teresa Campbell (Ceo & President).
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Data for San Diego County Credit Union (EIN 95-1184903) comes from the IRS Business Master File and e-filed Form 990 returns, via CharityIndex. Figures reflect what the organization reported to the IRS for each fiscal year.