Federal credit union · EL CAJON, California · NCUA charter #11099
East County Schools
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $141.7M
- Total assets
- 4,714
- Members
- 9.3%
- Net-worth ratio
East County Schools scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $141.7M; members 4,714; net-worth ratio 9.32%; health rank #1,334 of 4,374; healthier than 69th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,334 of 4,374 health · 2025Q4East County Schools · health 89/100 · $141.7M · 2025Q4
- BOOK 89/100
- CHARTER 9.3%
- NCUSIF 0.16%
- CAMELS 0.30%
- HEALTH $141.7M
- NW 4,714
- DELQ #1,334/4,374
- ROA Hawaii County Employees
- ASSETS 11099
Call Report peers
East County Schools in the assets neighbourhood
East County Schools's $141.7M assets sit next to Hawaii County Employees ($141.6M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
East County Schools vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
89 Top 31% higher than 69% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
East County Schools - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #11099, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for East County Schools
- Largest favorable gap: Delinquency Rate at 0.16% vs peer 0.89% (-0.73 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -10.00 pp (62.20% vs 72.20%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where East County Schools sits in California
- Health composite ranks #82 of 243 among scored California credit unions.
- By total assets, East County Schools is #137 of 243 in California.
- Member book place in California: #159 of 243.
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How East County Schools's 5300 filing moved
East County Schools: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.1% from $141.7M (2025Q4) to $147.5M (2026Q1).
- Net-worth ratio shifted -0.37 pp (9.69% → 9.32%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.32%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 89/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- Net Worth Ratio 28.3 pts
- Delinquency Rate 25.0 pts
- Return on Assets 11.9 pts
- Member Growth 10.8 pts
- Loan-to-Share Ratio 13.0 pts
Call Report ratios for East County Schools
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.32% | -2.79 pp |
| Delinquency Rate | 0.16% | -0.73 pp |
| Return on Assets | 0.30% | -0.33 pp |
| Member Growth | 1.46% | - |
| Loan-to-Share Ratio | 62.20% | -10.00 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
East County Schools quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $147.5M | - |
| 2025Q4 | $141.7M | 4,714 |
| 2024Q4 | $147.3M | 4,646 |
| 2023Q4 | $152.7M | 4,643 |
Credit Union Details
- Charter Number
- 11099
- Type
- Federal
- Field of Membership
- Single Common Bond
- Peer Group
- $100M–$500M
- State
- California
- City
- EL CAJON
- Data Quarter
- 2025Q4
Branch Locations (2)
East County Schools operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main (Main Office) | El Cajon, CA |
| opentext | Menlo Park, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
More federally-insured credit unions based in California, ordered by peer group match and asset size.
East County Schools nationwide neighbourhoods
East County Schools's nationwide photo peers by assets and by health score, excluding California charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($141.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
Using this data
- East County Schools ranks #1,334 of 4,374 nationally on financial health and #82 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- SISKIYOU is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with SISKIYOU
- Rates and health both vary by institution, not just by state -- see how California credit unions compare overall before assuming this one is typical. California state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is East County Schools financially healthy?
A 9.32% net worth ratio and a 0.16% delinquency rate feed into East County Schools's financial health score of 89/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,334 of 4,374; by total assets it ranks #1,535 of 4,374 nationally (same basis as /rankings/largest); and #137 of 243 within California. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does East County Schools compare to other credit unions?
89/100 is East County Schools's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join East County Schools?
East County Schools is chartered around a single common bond (Single Common Bond), membership is generally limited to employees of a specific employer or a defined occupational group and their immediate family. Contact East County Schools directly to confirm eligibility.
Is my money safe at East County Schools?
Federal credit unions like East County Schools are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. East County Schools's net worth ratio of 9.32% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does East County Schools offer compared to banks?
Credit unions like East County Schools are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact East County Schools directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.