Side-by-side · Q2 2026 data
Certified Federal Credit Union vs Employees Choice Federal Credit Union
Credit union
Certified Federal Credit Union
El Monte, California · $100 million – $1 billion
Credit union
Employees Choice Federal Credit Union
El Cajon, California · Under $100 million in assets
Metric by metric
| Measure | Certified Federal Credit Union | Employees Choice Federal Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 80 |
| Capital cushion | 100 (stronger) | 62 |
| Loan quality | 88 | 100 (stronger) |
| Earnings | 70 (stronger) | 58 |
| Funding & liquidity | 79 | 100 (stronger) |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 92nd | 65th |
| Total assets | $925.3M | $24.6M |
| Deposits / shares | $723.9M | $21.7M |
| Capital ratio | 20.71% (stronger) | 11.15% |
| Problem loans | 0.37% | 0.00% (stronger) |
| Net charge-offs | 0.97% | -0.01% (stronger) |
| Return on assets | 1.24% (stronger) | 0.95% |
| Loans ÷ deposits | 80.9% | 41.6% (stronger) |
| Uninsured deposits | 9.9% (stronger) | 11.8% |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Certified Federal Credit Union has the higher TellerScore (88 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Certified Federal Credit Union leads on 4 and Employees Choice Federal Credit Union on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.