East County Schools
El Cajon, CA · Charter 11099 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 2 branches
Q2 2026
$146.7MAssets
$82.7MLoans
$131.9MShares
$13.8MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 35% of credit unions under $1B in assets in CA (rank 41 of 63).
- Widest gap: nonperforming loans / loans trails 90% of credit unions under $1B in assets in CA (rank 57 of 62).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
0.03%
Rank 53 of 63
Net Interest Margin
3.18%
Rank 48 of 63
Efficiency Ratio
91.23%
Rank 53 of 63
Equity / Assets
9.40%
Rank 41 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.03% | 0.17% | 0.56% | 1.17% | Beats 16% | 53 / 63 | |
| Return on Equity | 0.35% | 1.81% | 4.79% | 8.64% | Beats 14% | 54 / 63 | |
| Net Interest Margin | 3.18% | 3.18% | 3.49% | 3.98% | Beats 24% | 48 / 63 | |
| Efficiency Ratio | 91.23% | 70.58% | 81.25% | 89.21% | Beats 17% | 53 / 63 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.28% | 0.17% | 0.42% | 0.85% | Beats 10% | 57 / 62 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.40% | 8.61% | 10.56% | 14.01% | Beats 35% | 41 / 63 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.40% | 8.61% | 10.56% | 14.01% | Beats 35% | 41 / 63 | |
| Liquidity & Funding |
| Loans / Deposits | 62.73% | 53.46% | 72.75% | 85.33% | 40th pctl | 37 / 62 | |
| Loans / Assets | 56.38% | 46.35% | 58.08% | 72.17% | 48th pctl | 33 / 63 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |