Side-by-side · Q2 2026 data
Employees Choice Federal Credit Union vs San Diego County Credit Union
Credit union
Employees Choice Federal Credit Union
El Cajon, California · Under $100 million in assets
Credit union
San Diego County Credit Union
San Diego, California · $1 billion – $10 billion
Metric by metric
| Measure | Employees Choice Federal Credit Union | San Diego County Credit Union |
|---|---|---|
| TellerScore | 80 | 86 (stronger) |
| Capital cushion | 62 | 100 (stronger) |
| Loan quality | 100 (stronger) | 93 |
| Earnings | 58 (stronger) | 42 |
| Funding & liquidity | 100 (stronger) | 94 |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 65th | 95th |
| Total assets | $24.6M | $9.5B |
| Deposits / shares | $21.7M | $7.8B |
| Capital ratio | 11.15% | 19.82% (stronger) |
| Problem loans | 0.00% (stronger) | 0.20% |
| Net charge-offs | -0.01% (stronger) | 0.09% |
| Return on assets | 0.95% (stronger) | 0.54% |
| Loans ÷ deposits | 41.6% (stronger) | 65.9% |
| Uninsured deposits | 11.8% | 7.4% (stronger) |
| Offices | 2 | 25 |
| CFPB complaints (3 yrs) | — | 189 |
| Complaints per $1B deposits | — | 24.2 |
| Mortgage denial rate (HMDA) | — | 37.4% |
San Diego County Credit Union has the higher TellerScore (86 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Employees Choice Federal Credit Union leads on 4 and San Diego County 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.