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EMPLOYEES CHOICE FEDERAL CREDIT UNION

Dec, 31, 2020 — EMPLOYEES CHOICE FEDERAL CREDIT UNION is a federal credit union headquartered in EL CAJON, CA with 2 branch locations and about $19.63 million in total assets. Opened 61 years ago in 1960, EMPLOYEES CHOICE FEDERAL CREDIT UNION has about 1,160 members and employs 5 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.


Name:EMPLOYEES CHOICE FEDERAL CREDIT UNION
Address:
(Main Office)
266 S MAGNOLIA AVE STE 101
EL CAJON, CA 92020
Phone:(619) 579-0941
Fax:(619) 579-2057
Website:http://www.employeeschoice.org
Branches:2 branch locations
Members:1,160
Credit Union Type:Federal Credit Union
Charter Number:13526
Membership Type:Multiple common bond - Primarily federal, state, local government
Corporate Credit Union:No
Year Opened:1960
Last Audited:Mar 01, 2020
FHLB Member:No
Low Income Designation:No
Assets:$19,629,895
CEO/Manager:Aletta M Bostock
Chairperson:Michael Herrera

Call Report

  • Overdraft Lines of Credit
  • Overdraft Protection
  • Pay Day Loans
  • Real Estate Loans
  • Risk Based Loans
  • Share Secured Credit Cards
  • Payday Alternative Loans (PAL Loans)
  • ATM/Debit Card Program
  • Commercial Share Accounts
  • Check Cashing

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 2,990,832
TOTAL INVESTMENTS 7,659,673
Loans Held for Sale 0
 
 Real Estate Loans 2,829,993
 Unsecured Loans 752,110
 Other Loans 5,259,090
 TOTAL LOANS 8,841,193
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -78,293
 Land And Building 0
 Other Fixed Assets 10,120
 NCUSIF Deposit 136,962
 All Other Assets 69,408
  TOTAL ASSETS 19,629,895
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 224,303
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 3,672,844
 Regular shares 9,002,450
 All Other Shares & Deposits 4,766,673
  TOTAL SHARES & DEPOSITS 17,441,967
  TOTAL LIABILITIES 17,666,270
 Regular Reserve 243,260
 Other Reserves 383,411
 Undivided Earnings 1,336,954
  TOTAL EQUITY 1,963,625
  TOTAL LIABILITIES, SHARES, & EQUITY 19,629,895
INCOME & EXPENSE  
 Loan Income 390,443
 Investment Income 143,588
 Other Income 95,881
 Total Employee Compensation & Benefits 279,705
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 268,555
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 0
 Cost of Funds 17,645
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 64,007
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