Employees Choice Federal Credit Union


Overview / Commentary
619-579-0941
266 S Magnolia Ave Ste 101
El Cajon, CA 92020

Employees Choice Federal Credit Union is headquartered in El Cajon and is the 251st largest credit union in the state of California. It is also the 3,435th largest credit union in the nation. It was established in 1960 and as of March of 2019, it had grown to 3 employees and 1,196 members at 2 locations. Employees Choice Federal Credit Union's CD rates are 11% higher than the national average, and it has a B health rating.

Field of Membership Restrictions

Membership is open to employees of the city of El Cajon, the City of La Mesa, the Helix Water District, San Diego County working in La Mesa, California state working or headquartered in La Mesa, Roger S. Gordon & Co., CPA, The Goods Insurance Agency, Pfuhl & Knight Accountancy Corporation.
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Health
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Employees Choice Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #13526
Year Chartered1960
Employees3
Primary Regulator
Profit Margin
Return on Assets - YTD0.42%
Return on Equity - YTD4.22%
Annual Interest Income$148.00K
Assets and Liabilities
AssetsQ1 2019vs Q1 2018$18.6MM$19.5MM
LoansQ1 2019vs Q1 2018$8.9MM$7.7MM
DepositsQ1 2019vs Q1 2018$16.7MM$17.7MM
Equity CapitalQ1 2019vs Q1 2018$1.8MM$1.7MM
Loan Loss AllowanceQ1 2019vs Q1 2018$70.00K$49.00K
Unbacked Noncurrent LoansQ1 2019vs Q1 2018$4.00K$5.00K
Real Estate OwnedQ1 2019vs Q1 2018$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Employees Choice Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%-$10kHoliday Club Certificate
0.10%$25$500kRegular Share Account
0.10%$25-IRA Share Account
0.10%$25-Secondary Share Account

Employees Choice Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$5k-Share Draft Account

Employees Choice Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%$5k-12 Month Share Certificate
0.60%$5k-6 Month Share Certificate
0.50%$5k-3 Month Share Certificate

Employees Choice Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%$5k-12 Month IRA Share Certificate
0.60%$5k-6 Month IRA Share Certificate
0.50%$5k-3 Month IRA Share Certificate
Locations


Employees Choice Federal Credit Union Locations
Branch Office266 S Magnolia Ave Ste 101El Cajon, CA 92020
Branch Office7839 University Ave Ste 101La Mesa, CA 91942

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