East County Schools

EL CAJON, CA · 1 · Charter #11099 · www.eastcountyschools.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$141.7M
69th percentile
Members
4,714
21th percentile
Total loans
$79.0M
64th percentile
Total shares
$127.0M
72th percentile

Profitability

Return on assets
0.66%
26th percentile
Net interest margin
3.11%
22th percentile
Efficiency ratio
71.27%
23th percentile
Non-interest income ratio
13.29%
31th percentile

Capital & Risk

Net worth ratio
9.69%
19th percentile
Delinquency rate
0.16%
89th percentile
Net charge-off rate
0.14%
77th percentile
Loan-to-share
62.20%
40th percentile

Growth

Member growth YoY
1.46%
74th percentile
Asset growth YoY
-3.80%
5th percentile
Loan growth YoY
-2.50%
29th percentile
Share growth YoY
-4.69%
5th percentile

Operations

Members / branch
4,714
80th percentile
Assets / member
$30,056
96th percentile
Field of membership penetration
1.08%
16th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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