TellerScore

East County Schools Federal Credit Union is a federal credit union headquartered in El Cajon, California, in business for about 70 years. At the end of Q2 2026 it reported $146.7M in total assets and $131.9M in member shares and deposits, with 2 offices.

Based on its Q2 2026 filing, East County Schools Federal Credit Union scores 53/100, which we describe as below average. That is higher than only 9% of 1,341 credit unions with $100 million – $1 billion. Among 238 credit unions headquartered in California, it ranks 213th. Its strongest component is funding & liquidity (86/100; 63% loans-to-deposits, 25% uninsured), and its lowest is earnings (21/100; 0.03%).

TellerScore · Q2 2026

Scorecard

Capital cushion44/100
Net worth ratio: 9.40%
Loan quality57/100
Loans 60+ days delinquent ÷ total loans: 1.28%
Earnings21/100
Return on assets (annualized): 0.03%
Funding & liquidity86/100
Loans ÷ shares: 62.7% · 25.5% uninsured
Problem-loan coverage85/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 7.71%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 14 points (67 → 53), mostly because the loan quality component weakened by 32 points.

TellerScore
536169Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202464
Q4 202464
Q1 202565
Q2 202567
Q3 202569
Q4 202569
Q1 202665
Q2 202653
Net worth ratio
7.00%8.35%9.70%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.35%
Q3 20248.55%
Q4 20248.78%
Q1 20259.02%
Q2 20259.18%
Q3 20259.70%
Q4 20259.69%
Q1 20269.32%
Q2 20269.40%
Delinquent loans (60+ days)
0.11%0.70%1.28%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.12%
Q3 20240.11%
Q4 20240.17%
Q1 20250.24%
Q2 20250.34%
Q3 20250.24%
Q4 20250.16%
Q1 20260.19%
Q2 20261.28%
Return on assets
0.03%0.38%0.72%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.24%
Q3 20240.32%
Q4 20240.28%
Q1 20250.42%
Q2 20250.72%
Q3 20250.63%
Q4 20250.56%
Q1 20260.12%
Q2 20260.03%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202653$146.7M9.40%1.28%0.03%62.7%
Q1 202665$147.5M9.32%0.19%0.12%58.4%
Q4 202569$141.7M9.69%0.16%0.56%62.2%
Q3 202569$140.1M9.70%0.24%0.63%65.1%
Q2 202567$146.6M9.18%0.34%0.72%61.8%
Q1 202565$145.1M9.02%0.24%0.42%61.9%
Q4 202464$147.3M8.78%0.17%0.28%60.8%
Q3 202464$150.6M8.55%0.11%0.32%59.7%
Q2 202463$152.1M8.35%0.12%0.24%60.4%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.40%
18th
Problem loans1.28%
19th
Net charge-offs0.08%
88th
Return on assets0.03%
5th
Loans to deposits62.7%
74th
Uninsured deposits25.5%
1st
Loan-loss reserves0.00%
50th
Texas ratio7.7%
22nd

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
Siskiyou Credit UnionCredit union Yreka, CA61 out of 100, Moderate$144.3M9.7%1.19%vs
San Diego Firefighters Federal Credit UnionCredit union San Diego, CA64 out of 100, Moderate$152.6M7.7%0.26%vs
Interfaith Federal Credit UnionCredit union Montclair, CA77 out of 100, Strong$134.8M11.9%0.34%vs
South Bay Credit UnionCredit union Redondo Beach, CA59 out of 100, Moderate$160.6M9.4%0.48%vs
Kings Federal Credit UnionCredit union Hanford, CA86 out of 100, Very strong$162.5M16.0%0.64%vs
Torrance Community Federal Credit UnionCredit union Torrance, CA73 out of 100, Strong$162.9M10.2%0.13%vs

Deposit insurance

Is my money safe at East County Schools Federal Credit Union?

Yes. East County Schools Federal Credit Union is a federally insured credit union (NCUA charter #11099). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 25.5% of shares and deposits ($33.6M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 9.40%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

East County Schools Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
East County Schools Federal Credit Union
Type
Federal credit union
NCUA charter #
11099
RSSD ID
639688
Primary regulator
NCUA
Established
1956
Headquarters
1069 Graves Ave Ste 100, El Cajon, CA 92021
Employees
23

Quick answers

East County Schools Federal Credit Union: common questions

Is East County Schools Federal Credit Union NCUA insured?

Yes. East County Schools Federal Credit Union is a federally insured credit union (NCUA charter #11099). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is East County Schools Federal Credit Union's TellerScore?

53 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does East County Schools Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near El Cajon

InstitutionScoreAssetsCapitalProblem loansCompare
Certified Federal Credit UnionCredit union El Monte, CA88 out of 100, Very strong$925.3M20.7%0.37%vs
San Diego County Credit UnionCredit union San Diego, CA86 out of 100, Very strong$9.5B19.8%0.20%vs
California Coast Credit UnionCredit union San Diego, CA85 out of 100, Very strong$3.5B13.9%0.26%vs
Home Bank of CaliforniaBank San Diego, CA84 out of 100, Strong$255.4M12.3%0.00%vs
Mission Federal Credit UnionCredit union San Diego, CA81 out of 100, Strong$7.3B12.3%0.15%vs
Sag-Aftra Federal Credit UnionCredit union Burbank, CA81 out of 100, Strong$335.6M13.1%0.63%vs