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EMPLOYEES CHOICE FEDERAL CREDIT UNION

Mar, 31, 2022 — EMPLOYEES CHOICE FEDERAL CREDIT UNION is a federal credit union headquartered in EL CAJON, CA with 2 branch locations and about $23.04 million in total assets. Opened 62 years ago in 1960, EMPLOYEES CHOICE FEDERAL CREDIT UNION has about 1,120 members and employs 4 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:1,120
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, 2021
FHLB Member:No
Low Income Designation:No
Assets:$23,044,206
CEO/Manager:Aletta M Bostock
Chairperson:John Wilkinson

Call Report

  • Payday Alternative Loans (PAL Loans)

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 2,554,929
TOTAL INVESTMENTS 0
Loans Held for Sale 0
 
 Real Estate Loans 3,619,252
 Unsecured Loans 644,216
 Other Loans 5,102,306
 TOTAL LOANS 9,365,774
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -58,781
 Land And Building 0
 Other Fixed Assets 8,848
 NCUSIF Deposit 167,461
 All Other Assets 0
  TOTAL ASSETS 23,044,206
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 113,628
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 4,311,440
 Regular shares 11,773,035
 All Other Shares & Deposits 5,034,667
  TOTAL SHARES & DEPOSITS 21,119,142
  TOTAL LIABILITIES 21,232,770
 Regular Reserve 0
 Other Reserves 408,350
 Undivided Earnings 1,403,086
  TOTAL EQUITY 1,811,436
  TOTAL LIABILITIES, SHARES, & EQUITY 23,044,206
INCOME & EXPENSE  
 Loan Income 89,616
 Investment Income 30,976
 Other Income 3,150
 Total Employee Compensation & Benefits 65,663
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 63,961
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 0
 Cost of Funds 2,206
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 12,021
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