EMPLOYEES CHOICE
Federal • El Cajon, California • Est. 1960
Quick Facts
- Charter Number
- #13526
- Type
- Federal
- Established
- 1960
- Headquarters
- El Cajon, California 92020
- Address
- 266 S Magnolia Ave Ste 101
- Branches
- 2
- Members
- 1,064
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
1,064 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | EMPLOYEES CHOICE |
|---|---|
| Total Assets | $23.4M |
| Members | 1,064 |
| Loans Outstanding | $8.7M |
| Shares & Deposits | $20.6M |
| Net Worth | $2.6M |
| Net Worth Ratio | 11.22% |
| Loan-to-Share Ratio | 42.3% |
| Delinquency Rate | 0.00% |
| Net Income | +$247,955 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
2 locations
Employees Choice Federal Credit Union
Main Office266 S Magnolia Ave Ste 101
El Cajon, CA 92020
La Mesa Branch
7839 University Ave Ste 101
La Mesa, CA 91942
Who Can Join EMPLOYEES CHOICE?
Membership Type: Community
Membership eligibility for EMPLOYEES CHOICE may vary. Contact the credit union directly to confirm qualification requirements.
Contact EMPLOYEES CHOICE directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View California RankingsFrequently Asked Questions
Yes. EMPLOYEES CHOICE is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, EMPLOYEES CHOICE has 1,064 members and a potential membership field of 3,000 people.
EMPLOYEES CHOICE's net worth ratio is 11.22% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 11.2%, EMPLOYEES CHOICE meets this threshold.
EMPLOYEES CHOICE operates 2 branch locations. The main office is located at 266 S Magnolia Ave Ste 101, El Cajon, CA 92020.
EMPLOYEES CHOICE was established in 1960. It is a federal credit union chartered under charter number 13526. The institution has been serving members for 66 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or EMPLOYEES CHOICE. All financial data is for informational purposes only.