Credit union · NCUA insured
Wheelhouse Credit Union
Top CarrotA $456.8M credit union headquartered in San Diego, CA, with 32,527 members and 5 branches in California. Best rates: CDs 4.00% and savings 3.10% APY.
Wheelhouse Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 90% of U.S. banks and credit unions
#4 of 35 in San Diego, CA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Wheelhouse Credit Union
Wheelhouse Credit Union is a member-owned financial institution that has been in business for over 90 years.
Based in San Diego, California, it operates 4 local branch locations and a phone branch.
- Headquarters
- 9212 Balboa Ave, San Diego, CA 92123-1514
- NCUA charter
- 61003
Branches
5 branches in California
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California
5 branches
- KearnyMain office9212 Balboa Ave, San Diego, CA 92123Directions
- Chula Vista344 F St, Chula Vista, CA 91910Directions
- El Cajon306 Broadway, El Cajon, CA 92021Directions
- Downtown320 B St, San Diego, CA 92101Directions
- Kearny Mesa9212 Balboa Ave, San Diego, CA 92123Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 8.73% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.13% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.31% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $93 | $76 | — |
- CapitalNet worth ratio8.73%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.13%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.31%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$93Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Wheelhouse Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.