Side-by-side · Q2 2026 data
Mattel Federal Credit Union 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 | Mattel Federal Credit Union | Employees Choice Federal Credit Union |
|---|---|---|
| TellerScore | 74 | 80 (stronger) |
| Capital cushion | 64 (stronger) | 62 |
| Loan quality | 96 | 100 (stronger) |
| Earnings | 43 | 58 (stronger) |
| Funding & liquidity | 81 | 100 (stronger) |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 49th | 65th |
| Total assets | $28.1M | $24.6M |
| Deposits / shares | $24.6M | $21.7M |
| Capital ratio | 11.39% (stronger) | 11.15% |
| Problem loans | 0.11% | 0.00% (stronger) |
| Net charge-offs | 0.19% | -0.01% (stronger) |
| Return on assets | 0.57% | 0.95% (stronger) |
| Loans ÷ deposits | 79.5% | 41.6% (stronger) |
| Uninsured deposits | 8.4% (stronger) | 11.8% |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Employees Choice Federal Credit Union has the higher TellerScore (80 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Mattel Federal Credit Union leads on 2 and Employees Choice Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.