# EAST COUNTY SCHOOLS
EL CAJON, CA · NCUA charter 11099 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/east-county-schools-11099

Who the members are: federal charter, educational (single sponsor), organized 1956, low-income designated. 4,754 members of 374,500 potential (1.3% of the field); checking penetration 85% (share draft accounts per 100 members); loans per 100 members 102.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $147.5M |
| Members | 4,754 (1.6% YoY) |
| Full-time staff | 20 |
| Net worth | $13.8M |
| Net worth ratio | 9.3% (p18 of band) |
| ROA (annualized) | 0.12% (p14 of band) |
| Total delinquency | 0.19% (p14 of band) |
| Net charge-offs (annualized) | 0.05% (p15 of band) |
| Loans / shares | 58% (p30 of band) |
| Cash / assets | 9.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.15% (p21 of band) |
| Operating expense / assets | 3.18% (p32 of band) |
| Vehicles % of loans | 16% (p15 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 14% (p44 of band) |
| Vehicle delinquency | 0.30% (p30 of band) |
| Vehicle NCO | 0.35% (p40 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 58% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 96% |
| Core shares % of member funds | 67% |
| Certificates % of member funds | 12% |
| Average share balance | $11,563 |
| Participations bought / yr | $196,056 |
| Participations sold / yr | $1.4M |
| Participations outstanding | $17.1M |
| Loans outstanding per 100 members | 102% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $15,998 |
| Loans granted, annualized | $15.9M |

## Participation posture (from the same filings)

Bought $196,056 and sold $1.4M in the latest annualized quarter; $17.1M outstanding purchased (124.3% of net worth), $178,507 sold and retained. Sold in 8 and bought in 8 of the last 8 quarters. Shares 3.2% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | net worth falling |  |
| 2017-03 | 1 |  | net worth falling |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 2 | net worth falling |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 1 |  | net worth falling |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | delinquency rising |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 | net worth falling | delinquency rising |
| 2020-09 | 2 |  |  |
| 2020-12 | 4 | margin squeeze, loan book shrinking |  |
| 2021-03 | 5 | losing money |  |
| 2021-06 | 4 |  | losing money |
| 2021-09 | 4 |  |  |
| 2021-12 | 3 |  | loan book shrinking |
| 2022-03 | 1 |  | net worth falling, margin squeeze |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 3 | net worth falling, delinquency rising |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 1 |  | net worth falling, delinquency rising |
| 2024-03 | 1 |  |  |
| 2024-06 | 2 | assets shrinking |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 3 | delinquency rising |  |
| 2025-03 | 2 |  | thin capital |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 1 |  | delinquency rising |
| 2026-03 | 1 | net worth falling | assets shrinking |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-09-29 [East County Schools Federal Credit Union appoints Matt Lyons as new President & CEO - CUInsight](https://news.google.com/rss/articles/CBMivwFBVV95cUxQOFpYT1RKNnlvMlNKYnNBNjNLcUNJcUdOVzVpYjNybm9SQy1GOHdOUl9UQlZ3Rk5WSFprUW5Kb3k0YW9RNnZoUFMyQUs0Tm1Ya3RWbFpaZTFwbUItaXBaZUl1bkc3ODZfMnc3bU0weGtEZk0xTDNKS0s5b1RtWFQyalQ4U25rRlEzNU5vS05TZFUyTmxMXzlMTzBLSXR2UVlVM2hDZXNQY3NacWFNUS1nbnlZcXBkdHlWaHVzclpPcw?oc=5) · CUInsight
- 2026-07-02 [Girls flag football heads into 2026 season more established than ever in East County - thepress.net](https://news.google.com/rss/articles/CBMi-gFBVV95cUxOV0FtR0xCeHNMSVFrOWUzcDJRZ3VTZjFnaWs5VzFmQmRUa3U1a3RmcDQyb1hDX05ma2VOWWpINlZQZms4S190bnEwUkZRbm5xNTY2MnY2NE9kMlc2ZU9ZaXFRRUtELWhnaXJZSXg5N2NJdEZnenpGZV9vWHNDMGRIOENTYXF3eTlrb052RXBhY2x1S0lDbjVCRFlla2dkOThlcXlGckxsbV84WGhNUk1adkZOZGE1R1RlbDlTWXBuVmVLdEp5WXp6MTIweV9Ma180U1ZCMnhPQkFlQ3FEdEFqRUdNWjVFYW9HTkpWR0FDdWkwRDZwOXFaTFhR?oc=5) · thepress.net

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=11099 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/27.json (key "11099", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=11099
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide