TellerScore

Employees Choice Federal Credit Union is a federal credit union headquartered in El Cajon, California, in business for about 66 years. At the end of Q2 2026 it reported $24.6M in total assets and $21.7M in member shares and deposits, with 2 offices.

Employees Choice Federal Credit Union has a TellerScore of 80 out of 100 (strong) based on Q2 2026 data — higher than 65% of its 2,479 credit unions with under $100 million in assets. Among 238 credit unions headquartered in California, it ranks 54th. Loan quality contributes the most (100/100, 0.00%); earnings contributes the least (58/100, 0.95%).

TellerScore · Q2 2026

Scorecard

Capital cushion62/100
Net worth ratio: 11.15%
Loan quality100/100
Loans 60+ days delinquent ÷ total loans: 0.00%
Earnings58/100
Return on assets (annualized): 0.95%
Funding & liquidity100/100
Loans ÷ shares: 41.6% · 11.8% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.00%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (79 → 80).

TellerScore
757881Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202475
Q3 202475
Q4 202476
Q1 202576
Q2 202579
Q3 202579
Q4 202581
Q1 202681
Q2 202680
Net worth ratio
7.00%9.33%11.66%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.90%
Q3 202410.29%
Q4 202410.25%
Q1 202510.38%
Q2 202510.90%
Q3 202510.84%
Q4 202511.22%
Q1 202611.66%
Q2 202611.15%
Delinquent loans (60+ days)
0.00%0.03%0.06%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.01%
Q3 20240.05%
Q4 20240.05%
Q1 20250.06%
Q2 20250.06%
Q3 20250.06%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
0.74%0.89%1.04%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.74%
Q3 20240.76%
Q4 20240.79%
Q1 20250.78%
Q2 20251.03%
Q3 20251.01%
Q4 20251.04%
Q1 20260.90%
Q2 20260.95%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202680$24.6M11.15%0.00%0.95%41.6%
Q1 202681$23.0M11.66%0.00%0.90%43.0%
Q4 202581$23.4M11.22%0.00%1.04%42.3%
Q3 202579$23.6M10.84%0.06%1.01%42.3%
Q2 202579$23.0M10.90%0.06%1.03%44.1%
Q1 202576$23.4M10.38%0.06%0.78%43.4%
Q4 202476$23.3M10.25%0.05%0.79%44.4%
Q3 202475$22.6M10.29%0.05%0.76%47.2%
Q2 202475$23.1M9.90%0.01%0.74%47.1%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.15%
25th
Problem loans0.00%
94th
Net charge-offs-0.01%
87th
Return on assets0.95%
65th
Loans to deposits41.6%
76th
Uninsured deposits11.8%
5th
Loan-loss reserves0.00%
37th
Texas ratio0.0%
93rd

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
Northern Redwood Federal Credit UnionCredit union Arcata, CA48 out of 100, Below average$23.7M7.9%1.07%vs
Fresno Grangers Federal Credit UnionCredit union Fresno, CA98 out of 100, Very strong$25.9M24.6%0.00%vs
Ontario Public Employees Federal Credit UnionCredit union Ontario, CA87 out of 100, Very strong$23.2M15.5%1.02%vs
Center City Community Credit UnionCredit union Buena Park, CA62 out of 100, Moderate$26.2M8.7%0.10%vs
Novo Federal Credit UnionCredit union Norco, CA80 out of 100, Strong$21.4M13.2%0.43%vs
Mattel Federal Credit UnionCredit union El Segundo, CA74 out of 100, Strong$28.1M11.4%0.11%vs

Deposit insurance

Is my money safe at Employees Choice Federal Credit Union?

Yes. Employees Choice Federal Credit Union is a federally insured credit union (NCUA charter #13526). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 11.8% of shares and deposits ($2.6M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 11.15%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Employees Choice Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Employees Choice Federal Credit Union
Type
Federal credit union
NCUA charter #
13526
RSSD ID
849384
Primary regulator
NCUA
Established
1960
Headquarters
266 S Magnolia Ave Ste 101, El Cajon, CA 92020
Employees
5

Quick answers

Employees Choice Federal Credit Union: common questions

Is Employees Choice Federal Credit Union NCUA insured?

Yes. Employees Choice Federal Credit Union is a federally insured credit union (NCUA charter #13526). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Employees Choice Federal Credit Union's TellerScore?

80 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Employees Choice Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near El Cajon

InstitutionScoreAssetsCapitalProblem loansCompare
Certified Federal Credit UnionCredit union El Monte, CA88 out of 100, Very strong$925.3M20.7%0.37%vs
San Diego County Credit UnionCredit union San Diego, CA86 out of 100, Very strong$9.5B19.8%0.20%vs
California Coast Credit UnionCredit union San Diego, CA85 out of 100, Very strong$3.5B13.9%0.26%vs
Home Bank of CaliforniaBank San Diego, CA84 out of 100, Strong$255.4M12.3%0.00%vs
Mission Federal Credit UnionCredit union San Diego, CA81 out of 100, Strong$7.3B12.3%0.15%vs
Sag-Aftra Federal Credit UnionCredit union Burbank, CA81 out of 100, Strong$335.6M13.1%0.63%vs