Side-by-side · Q2 2026 data
Home Bank of California vs Employees Choice Federal Credit Union
Credit union
Employees Choice Federal Credit Union
El Cajon, California · Under $100 million in assets
Metric by metric
| Measure | Home Bank of California | Employees Choice Federal Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 80 |
| Capital cushion | 73 (stronger) | 62 |
| Loan quality | 100 | 100 |
| Earnings | 100 (stronger) | 58 |
| Funding & liquidity | 48 | 100 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 86th | 65th |
| Total assets | $255.4M | $24.6M |
| Deposits / shares | $192.2M | $21.7M |
| Capital ratio | 12.27% (stronger) | 11.15% |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | -0.00% | -0.01% (stronger) |
| Return on assets | 2.34% (stronger) | 0.95% |
| Loans ÷ deposits | 121.2% | 41.6% (stronger) |
| Uninsured deposits | 16.6% | 11.8% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Home Bank of California has the higher TellerScore (84 vs 80). On the 6 directional measures above (where higher or lower is clearly better), Home Bank of California leads on 3 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.