PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

East County Schools

El Cajon, CA · Charter 11099

NCUA · 2 branches

Q2 2026

$146.7MAssets
$82.7MLoans
$131.9MShares
$13.8MNet Worth

Executive Summary

  • Earnings: ROA of 0.03%, down 69 bps year over year; NIM at 3.18%.
  • Asset quality: problem loans at 1.28% of loans (+94 bps YoY).
  • Capital: net worth / assets of 9.40%, up 21 bps from a year ago.
  • Funding: loans stand at 62.73% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.03%-69 bps YoY

Net Interest Margin (YTD, annualized)

3.18%+23 bps YoY

Efficiency Ratio (YTD, annualized)

91.20%+1,409 bps YoY

Net Worth / Assets

9.40%+21 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.32%0.28%0.42%0.72%0.63%0.56%0.12%0.03%-69 bps
Return on Equity3.75%3.23%4.65%7.87%6.46%5.80%1.31%0.35%-751 bps
Net Interest Margin2.37%2.45%2.90%2.95%3.12%3.11%3.15%3.18%+23 bps
Efficiency Ratio86.12%86.49%84.22%77.11%79.39%81.79%89.43%91.20%+1,409 bps
Growth
Asset Growth (YoY)-5.51%-3.57%-9.03%-3.63%-6.97%-3.80%1.65%0.06%+369 bps
Loan Growth (YoY)3.87%0.58%-1.59%-0.39%-1.79%-2.50%-2.77%1.44%+182 bps
Share Growth (YoY)-6.02%-3.97%-11.69%-2.63%-9.95%-4.69%3.19%-0.09%+253 bps
Asset Quality
Delinquent Loans / Loans0.11%0.17%0.24%0.34%0.24%0.16%0.19%1.28%+94 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.55%8.78%9.02%9.18%9.70%9.69%9.32%9.40%+21 bps
Net Worth / Assets8.55%8.78%9.02%9.18%9.70%9.69%9.32%9.40%+21 bps
Liquidity & Funding
Loans / Shares59.71%60.81%61.94%61.78%65.12%62.20%58.36%62.73%+95 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps