Employees Choice

El Cajon, CA · 1 · Charter #13526 · www.employeeschoice.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$23.4M
68th percentile
Members
1,064
39th percentile
Total loans
$8.7M
61th percentile
Total shares
$20.6M
69th percentile

Profitability

Return on assets
1.06%
62th percentile
Net interest margin
3.11%
22th percentile
Efficiency ratio
62.87%
58th percentile
Non-interest income ratio
14.36%
67th percentile

Capital & Risk

Net worth ratio
11.22%
24th percentile
Delinquency rate
0.00%
100th percentile
Net charge-off rate
0.17%
53th percentile
Loan-to-share
42.34%
24th percentile

Growth

Member growth YoY
-0.37%
62th percentile
Asset growth YoY
0.67%
46th percentile
Loan growth YoY
-6.31%
36th percentile
Share growth YoY
-1.69%
36th percentile

Operations

Members / branch
532
25th percentile
Assets / member
$22,015
97th percentile
Field of membership penetration
35.47%
49th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

Want the full picture for Employees Choice?

This is a free public preview. Tudovu's Industry Data Explorer adds custom peer groups, 10+ years of history, side-by-side comparisons, and one-click downloadable peer reports — used by credit unions to plan their next quarter.

See Tudovu →Free demo