EMPLOYEES CHOICE
Charter #13526 · El Cajon, CA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,068 sits at the 0th percentile of structural peers — worth a closer look.
- Net interest margin of 3.24% sits at the 18th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.01% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 44th percentile but its structural peers at the 23rd — a 21-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | EMPLOYEES CHOICE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $22.98M | 44th pct | 23th pct |
| Members | 1,068 | 7th pct | 0th pct |
| Net worth ratio | 11.66% | 33th pct | 33th pct |
| Return on average assets | 0.89% | 62th pct | 74th pct |
| Net interest margin | 3.24% | 24th pct | 18th pct |
| Cost of funds | 0.60% | 38th pct | 57th pct |
| Loan-to-share | 42.95% | 25th pct | 38th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | -0.01% | 20th pct | 16th pct |
| Loan growth YoY | -2.03% | 53th pct | 51th pct |
| Share growth YoY | -3.40% | 6th pct | 0th pct |
| Efficiency ratio | 76.70% | 41th pct | 33th pct |
structural peer set hash: a38f66d7d21d751eeb4fbfddbd58d4d9… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.