Employees Choice
El Cajon, CA · Charter 13526 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 2 branches
Q2 2026
$24.6MAssets
$9.0MLoans
$21.7MShares
$2.7MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets in CA (rank 4 of 62).
- Widest gap: net interest margin trails 78% of credit unions under $1B in assets in CA (rank 49 of 63).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
0.95%
Rank 19 of 63
Net Interest Margin
3.13%
Rank 49 of 63
Efficiency Ratio
73.46%
Rank 20 of 63
Equity / Assets
11.15%
Rank 29 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.95% | 0.17% | 0.56% | 1.17% | Beats 70% | 19 / 63 | |
| Return on Equity | 8.53% | 1.81% | 4.79% | 8.64% | Beats 71% | 18 / 63 | |
| Net Interest Margin | 3.13% | 3.18% | 3.49% | 3.98% | Beats 22% | 49 / 63 | |
| Efficiency Ratio | 73.46% | 70.58% | 81.25% | 89.21% | Beats 70% | 20 / 63 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.17% | 0.42% | 0.85% | Beats 100% | 4 / 62 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.15% | 8.61% | 10.56% | 14.01% | Beats 54% | 29 / 63 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.15% | 8.61% | 10.56% | 14.01% | Beats 54% | 29 / 63 | |
| Liquidity & Funding |
| Loans / Deposits | 41.57% | 53.46% | 72.75% | 85.33% | 8th pctl | 57 / 62 | |
| Loans / Assets | 36.58% | 46.35% | 58.08% | 72.17% | 10th pctl | 57 / 63 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |