Side-by-side · Q2 2026 data
East County Schools Federal Credit Union vs California Coast Credit Union
Credit union
East County Schools Federal Credit Union
El Cajon, California · $100 million – $1 billion
Credit union
California Coast Credit Union
San Diego, California · $1 billion – $10 billion
Metric by metric
| Measure | East County Schools Federal Credit Union | California Coast Credit Union |
|---|---|---|
| TellerScore | 53 | 85 (stronger) |
| Capital cushion | 44 | 89 (stronger) |
| Loan quality | 57 | 91 (stronger) |
| Earnings | 21 | 67 (stronger) |
| Funding & liquidity | 86 (stronger) | 82 |
| Problem-loan coverage | 85 | 97 (stronger) |
| Peer percentile | 9th | 94th |
| Total assets | $146.7M | $3.5B |
| Deposits / shares | $131.9M | $3.1B |
| Capital ratio | 9.40% | 13.91% (stronger) |
| Problem loans | 1.28% | 0.26% (stronger) |
| Net charge-offs | 0.08% (stronger) | 0.18% |
| Return on assets | 0.03% | 1.16% (stronger) |
| Loans ÷ deposits | 62.7% (stronger) | 78.2% |
| Uninsured deposits | 25.5% | 2.3% (stronger) |
| Offices | 2 | 26 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 16.5% |
California Coast Credit Union has the higher TellerScore (85 vs 53). On the 7 directional measures above (where higher or lower is clearly better), East County Schools Federal Credit Union leads on 2 and California Coast Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.