Side-by-side · Q2 2026 data
East County Schools Federal Credit Union vs Torrance Community Federal Credit Union
Credit union
East County Schools Federal Credit Union
El Cajon, California · $100 million – $1 billion
Credit union
Torrance Community Federal Credit Union
Torrance, California · $100 million – $1 billion
Metric by metric
| Measure | East County Schools Federal Credit Union | Torrance Community Federal Credit Union |
|---|---|---|
| TellerScore | 53 | 73 (stronger) |
| Capital cushion | 44 | 52 (stronger) |
| Loan quality | 57 | 96 (stronger) |
| Earnings | 21 | 43 (stronger) |
| Funding & liquidity | 86 | 100 (stronger) |
| Problem-loan coverage | 85 | 99 (stronger) |
| Peer percentile | 9th | 60th |
| Total assets | $146.7M | $162.9M |
| Deposits / shares | $131.9M | $150.8M |
| Capital ratio | 9.40% | 10.15% (stronger) |
| Problem loans | 1.28% | 0.13% (stronger) |
| Net charge-offs | 0.08% | 0.06% (stronger) |
| Return on assets | 0.03% | 0.57% (stronger) |
| Loans ÷ deposits | 62.7% | 46.4% (stronger) |
| Uninsured deposits | 25.5% | 8.5% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Torrance Community Federal Credit Union has the higher TellerScore (73 vs 53). On the 7 directional measures above (where higher or lower is clearly better), East County Schools Federal Credit Union leads on 0 and Torrance Community Federal Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.