Side-by-side · Q2 2026 data
Employees Choice Federal Credit Union vs Novo Federal Credit Union
Credit union
Employees Choice Federal Credit Union
El Cajon, California · Under $100 million in assets
Metric by metric
| Measure | Employees Choice Federal Credit Union | Novo Federal Credit Union |
|---|---|---|
| TellerScore | 80 | 80 |
| Capital cushion | 62 | 82 (stronger) |
| Loan quality | 100 (stronger) | 86 |
| Earnings | 58 (stronger) | 53 |
| Funding & liquidity | 100 (stronger) | 88 |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 65th | 65th |
| Total assets | $24.6M | $21.4M |
| Deposits / shares | $21.7M | $18.4M |
| Capital ratio | 11.15% | 13.23% (stronger) |
| Problem loans | 0.00% (stronger) | 0.43% |
| Net charge-offs | -0.01% (stronger) | 0.23% |
| Return on assets | 0.95% (stronger) | 0.83% |
| Loans ÷ deposits | 41.6% (stronger) | 72.7% |
| Uninsured deposits | 11.8% | 0.0% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Employees Choice Federal Credit Union leads on 4 and Novo Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.