Side-by-side · Q2 2026 data
Northern Redwood Federal Credit Union vs Employees Choice Federal Credit Union
Credit union
Northern Redwood Federal Credit Union
Arcata, California · Under $100 million in assets
Credit union
Employees Choice Federal Credit Union
El Cajon, California · Under $100 million in assets
Metric by metric
| Measure | Northern Redwood Federal Credit Union | Employees Choice Federal Credit Union |
|---|---|---|
| TellerScore | 48 | 80 (stronger) |
| Capital cushion | 29 | 62 (stronger) |
| Loan quality | 64 | 100 (stronger) |
| Earnings | 0 | 58 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 78 | 100 (stronger) |
| Peer percentile | 7th | 65th |
| Total assets | $23.7M | $24.6M |
| Deposits / shares | $21.8M | $21.7M |
| Capital ratio | 7.89% | 11.15% (stronger) |
| Problem loans | 1.07% | 0.00% (stronger) |
| Net charge-offs | 0.81% | -0.01% (stronger) |
| Return on assets | -1.13% | 0.95% (stronger) |
| Loans ÷ deposits | 55.7% | 41.6% (stronger) |
| Uninsured deposits | 6.4% (stronger) | 11.8% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Employees Choice Federal Credit Union has the higher TellerScore (80 vs 48). On the 7 directional measures above (where higher or lower is clearly better), Northern Redwood Federal Credit Union leads on 1 and Employees Choice Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.