Side-by-side · Q2 2026 data
East County Schools Federal Credit Union vs South Bay Credit Union
Credit union
East County Schools Federal Credit Union
El Cajon, California · $100 million – $1 billion
Metric by metric
| Measure | East County Schools Federal Credit Union | South Bay Credit Union |
|---|---|---|
| TellerScore | 53 | 59 (stronger) |
| Capital cushion | 44 | 44 |
| Loan quality | 57 | 84 (stronger) |
| Earnings | 21 | 24 (stronger) |
| Funding & liquidity | 86 (stronger) | 75 |
| Problem-loan coverage | 85 | 92 (stronger) |
| Peer percentile | 9th | 19th |
| Total assets | $146.7M | $160.6M |
| Deposits / shares | $131.9M | $144.1M |
| Capital ratio | 9.40% | 9.41% (stronger) |
| Problem loans | 1.28% | 0.48% (stronger) |
| Net charge-offs | 0.08% (stronger) | 0.46% |
| Return on assets | 0.03% | 0.10% (stronger) |
| Loans ÷ deposits | 62.7% (stronger) | 85.7% |
| Uninsured deposits | 25.5% | 0.0% (stronger) |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
South Bay Credit Union has the higher TellerScore (59 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 South Bay Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.