El Cajon, California · Peer group 5
East County Schools Credit Union
East County Schools Credit Union holds $147.5M in assets across 4,754 members as of Q1 2026 — about $31K of assets per member, on a charter dating to 1956. Charter number 11099, in the $100M-$500M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $147.5M |
|---|---|
| Total loans | $77.4M |
| Total shares (deposits) | $132.7M |
| Net worth | $13.8M |
| Members | 4,754 |
| Assets per member | $31K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 1.6% | |
|---|---|---|
| Loans | -2.8% | around the 19th percentile of its peer group |
| Deposits | 3.2% | around the 51st percentile of its peer group |
| Members | 1.6% | around the 71st percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 58.4% | around the 24th percentile of its peer group |
|---|---|---|
| Net worth ratio | 9.3% | around the 18th percentile of its peer group |
| Return on assets | 0.12% | around the 13th percentile of its peer group |
| Delinquency ratio | 0.19% | around the 13th percentile of its peer group |
| Cash / assets | 9.3% | around the 42nd percentile of its peer group |
| Borrowings / assets | 0.0% | around the 40th percentile of its peer group |
What this page does not show
Everything above is East County Schools Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within California — the comparison set a peer ratio is measured against.
- Siskiyou Credit Union
Yreka, CA
$144.7M · 11,788 members
- San Diego Firefighters Credit Union
San Diego, CA
$151.7M · 3,511 members
- Tulare County Credit Union
Tulare, CA
$156.6M · 11,209 members
- California Lithuanian Credit Union
Santa Monica, CA
$157.9M · 1,910 members
- Interfaith Credit Union
MONTCLAIR, CA
$135.4M · 4,778 members
- Torrance Community Credit Union
Torrance, CA
$160.0M · 8,075 members
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