EMPLOYEES CHOICE Credit Union Profile

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EMPLOYEES CHOICE

Charter #13526 | NCUA Region 3 | FCU
Low-Income Designation: No
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (619) 579-0941

Fax: (619) 579-2057

Founding Date: N/A

Website: http://www.employeeschoice.org

Personnel & Operations

President: Smithson, Ronald

Manager: Bostock, Aletta

FT Employees: 4

PT Employees: 1

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 36

Branches: 2

Hours: M, T 9:00am to 4:30pm W 10:30am to 4:30pm

Credit Union Profile Summary

EMPLOYEES CHOICE is a FCU Credit Union. With a total of 1,069 members [1], this institution manages approximately $22,970,473 in total assets [1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 10.9% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -8.28% [1].

Financial Snapshot

Total Assets [1]
$22,970,473

Total economic resources.

Total Loans [1]
$9,017,862

Total value of outstanding loans.

Total Deposits [1]
$20,446,783

Total funds deposited by members.

Members [1]
1,069

Number of active members.

Performance Ratios

Net Worth Ratio [1]
10.9%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
1.02%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
44.10%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
-0.57%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
-8.28%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
1.62%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

266 S Magnolia Ave Ste 101

El Cajon, CA, 92020

Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 2 branches reported by EMPLOYEES CHOICE (Charter #13526).

Main Office

Employees Choice Federal Credit Union Main Office

Type: Corporate Office

266 S Magnolia Ave Ste 101

El Cajon, CA 92020

Phone: (619) 579-0941

Services: Member Services

Open in Directions

Additional Branches

La Mesa

La Mesa Branch

Type: Branch Office

7839 University Ave Ste 101

La Mesa, CA 91942

Phone: (619) 579-0941

Services: Member Services

Open in Directions