El Cajon, California · Peer group 3
Employees Choice Credit Union
Employees Choice Credit Union holds $23.0M in assets across 1,068 members as of Q1 2026 — about $22K of assets per member, on a charter dating to 1960. Charter number 13526, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $23.0M |
|---|---|
| Total loans | $8.7M |
| Total shares (deposits) | $20.2M |
| Net worth | $2.7M |
| Members | 1,068 |
| Assets per member | $22K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -1.8% | |
|---|---|---|
| Loans | -4.3% | around the 39th percentile of its peer group |
| Deposits | -3.2% | around the 22nd percentile of its peer group |
| Members | 0.1% | around the 69th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 43.0% | around the 25th percentile of its peer group |
|---|---|---|
| Net worth ratio | 11.7% | around the 33rd percentile of its peer group |
| Return on assets | 0.90% | around the 63rd percentile of its peer group |
| Delinquency ratio | 0.00% | lower than 95% of its peer group |
| Cash / assets | 11.4% | around the 51st percentile of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Employees Choice Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within California — the comparison set a peer ratio is measured against.
- Ontario Public Employees Credit Union
ONTARIO, CA
$23.4M · 1,781 members
- Northern Redwood Credit Union
Arcata, CA
$24.5M · 3,167 members
- Novo Credit Union
Norco, CA
$20.8M · 2,323 members
- Center City Community Credit Union
Buena Park, CA
$25.3M · 2,828 members
- Fresno Grangers Credit Union
FRESNO, CA
$27.0M · 583 members
- Fontana Credit Union
Fontana, CA
$17.2M · 1,429 members
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