Credit union · NCUA insured
East County Schools Federal Credit Union
A $147.5M credit union headquartered in El Cajon, CA, with 4,754 members and 1 branch in California. Best rates: CDs 3.30% and savings 0.20% APY.
East County Schools Federal Credit Union Carrot Score
75
Carrot Score
Higher than 39% of U.S. banks and credit unions
#20 of 35 in San Diego, CA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About East County Schools Federal Credit Union
- Headquarters
- 1069 Graves Ave Ste 100, El Cajon, CA 92021-4573
- NCUA charter
- 11099
Branches
1 branch in California
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California
1 branch
- MainMain office1069 Graves Ave Ste 100, El Cajon, CA 92021Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.40% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.28% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.03% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $63 | $76 | — |
- CapitalNet worth ratio9.40%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.28%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.03%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$63Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of East County Schools Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.