Employees Choice Federal Credit Union El Cajon, California
Employees Choice Federal Credit Union is a federal credit union headquartered in El Cajon, CA, established in 1960 (NCUA charter 13526), and it is regulated and insured by the NCUA. At Q2 2026 it reported 1,054 members and total assets of $24.6M (up 7.1% from Q2 2025), the 211th largest of 238 credit unions headquartered in California. Its net worth ratio was 11.15% at Q2 2026, in the well capitalized band.
Also written as Employees Choice FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 13526
- Headquarters
- El Cajon, CA
- Established
- 1960
- Total assets, Q2 2026
- $24.6M
- Assets vs Q2 2025
- +7.1%
- Members, Q2 2026
- 1,054
- Net worth ratio, Q2 2026
- 11.15%
- Latest call report
- Q2 2026, NCUA 5300 · Employees Choice Federal Credit Union call report
- Asset rank in state
- 211th of 238 in California
- Routing number
- 322275212
- Branches
- 2
It has 15 fewer members than on June 30, 2025 (-1.4%). Its net worth ratio was up 0.25 percentage points from 10.90% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $3.3M of $9.0M in total loans on its June 30, 2026 filing.
Credit unions similar in size in California
Credit unions merged into Employees Choice Federal Credit Union
Frequently asked about Employees Choice Federal Credit Union
How big is Employees Choice Federal Credit Union?
At Q2 2026 it reported total assets of $24.6M and 1,054 members.
Where is Employees Choice Federal Credit Union headquartered?
It is headquartered in El Cajon, CA, United States.
When was Employees Choice Federal Credit Union founded?
It was established in 1960, per NCUA records.
Is Employees Choice Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 13526): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Employees Choice Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Employees Choice Federal Credit Union well capitalized?
Its net worth ratio was 11.15% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Employees Choice Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 41.56% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- El Cajon, CA 92020
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1960
- NCUA Charter #
- 13526
- RSSD ID
- 849384
- Members
- 1,054
- Potential members
- 3,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 1 of 6 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 11.15% | 14.31% | 25th below |
| Return on assets Middle half of peers: 0.16% to 1.30% | 1.06% | 0.72% | 65th above |
| Return on equity Middle half of peers: 1.04% to 8.69% | 9.51% | 4.74% | 78th top |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.22% | 3.93% | 23rd bottom |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 70.37% | 79.83% | 70th above |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.53% | 0.78% | 65th above |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | not on file | 0.86% | not on file |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 3.75% | 4.70% | 12th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 41.56% | 58.92% | 24th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$24.6M total assets against $23.0M; $21.7M total shares and deposits against $20.4M; $9.0M total loans against $9.0M.
$2.7M net worth against $2.5M.
11.15% net worth ratio against 10.90%.
41.56% loan-to-share ratio against 44.10%.
1.06% return on assets against 1.26%; 9.51% return on equity against 11.57%.
3.22% net interest margin against 3.12%.
1,054 members against 1,069.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.15% | 1.06% | — | 41.56% |
| March 31, 2026 | 11.66% | 0.90% | — | 42.95% |
| December 31, 2025 | 11.22% | 1.08% | — | 42.34% |
| September 30, 2025 | 10.84% | 1.03% | 0.06% | 42.35% |
| June 30, 2025 | 10.90% | 1.26% | 0.06% | 44.10% |
| March 31, 2025 | 10.38% | 0.78% | 0.06% | 43.42% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.