Side-by-side · Q2 2026 data
Home Bank of California vs East County Schools Federal Credit Union
Credit union
East County Schools Federal Credit Union
El Cajon, California · $100 million – $1 billion
Metric by metric
| Measure | Home Bank of California | East County Schools Federal Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 53 |
| Capital cushion | 73 (stronger) | 44 |
| Loan quality | 100 (stronger) | 57 |
| Earnings | 100 (stronger) | 21 |
| Funding & liquidity | 48 | 86 (stronger) |
| Problem-loan coverage | 100 (stronger) | 85 |
| Peer percentile | 86th | 9th |
| Total assets | $255.4M | $146.7M |
| Deposits / shares | $192.2M | $131.9M |
| Capital ratio | 12.27% (stronger) | 9.40% |
| Problem loans | 0.00% (stronger) | 1.28% |
| Net charge-offs | -0.00% (stronger) | 0.08% |
| Return on assets | 2.34% (stronger) | 0.03% |
| Loans ÷ deposits | 121.2% | 62.7% (stronger) |
| Uninsured deposits | 16.6% (stronger) | 25.5% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Home Bank of California has the higher TellerScore (84 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Home Bank of California leads on 6 and East County Schools Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.