Federal credit union · El Cajon, California · NCUA charter #13526
Employees Choice
Health score 87/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $23.4M
- Total assets
- 1,064
- Members
- 9.6%
- Net-worth ratio
Employees Choice - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #13526, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Employees Choice - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)97
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth56
- Liquidity (loan-to-share)65
Weighted composite: 87/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 9.58%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.58% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | 0.78% | 15% |
| Member Growth | -0.37% | 15% |
| Loan-to-Share Ratio | 42.34% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $23.4M | 1,064 |
| 2024Q4 | $23.3M | 1,068 |
| 2023Q4 | $22.6M | 1,093 |
Credit Union Details
- Charter Number
- 13526
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- California
- City
- El Cajon
- Data Quarter
- 2025Q4
What This Data Says About Employees Choice
Employees Choice is a federal credit union headquartered in El Cajon, California, serving 1,064 members with $23.4M in total assets and $8.7M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 87/100 (Excellent), anchored by a net worth ratio of 9.58% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #13526 operates under peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Deposits deployed into lending sit at a 42.34% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 0.00% of the book 60+ days past due - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Return on assets stands at 0.78% on net income of $183K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -0.37%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Multiple Common Bond); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in California
A look at other California credit unions, ranked by how closely their peer group and asset size match this one.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Employees Choice financially healthy?
A 9.58% net worth ratio and a 0.00% delinquency rate feed into Employees Choice's financial health score of 87/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Employees Choice compare to other credit unions?
Employees Choice scores 87/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Employees Choice?
Employees Choice serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Employees Choice directly for the current list of qualifying groups.
Is my money safe at Employees Choice?
Federal credit unions like Employees Choice are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Employees Choice's net worth ratio of 9.58% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Employees Choice offer compared to banks?
Credit unions like Employees Choice are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Employees Choice directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.