There are both classical and quantum-mechanical reasons why we know that electrons aren't black holes or naked singularities.
Classically, a spinning, charged black hole has constraints on its angular momentum and its charge in relation to its mass. Otherwise, there is no event horizon, and we have a naked singularity rather than a black hole. An electron violates both of these limits, but we don't observe that electrons have the properties predicted for these naked singularities. For example, naked singularities have closed timelike curves in the spacetime surrounding them, which would violate causality, but there is no evidence that electrons cause causality violation.
Quantum-mechanically it is believed that microscopic black holes would evaporate into photons, whereas electrons, for example, do not seem to. The time a black hole takes to evaporate becomes shorter as the black hole gets smaller. When the black hole has a mass equal to the Planck mass, which is about 22 micrograms, the lifetime becomes on the order of the Planck time (or a few thousand times greater). All known fundamental particles have masses many orders of magnitude less than the Planck mass, so there is no way they could have long lifetimes if they were black holes.
This establishes that they aren't GR-style singularities, but doesn't explain why they aren't. Classically, the mass-energy of a finite-radius charged sphere is not all concentrated within the sphere; some of it is carried by the energy of the electric field outside the sphere. Quantum-mechanically, QED describes a particle as being surrounded by a region of the vacuum that's full of virtual particle-antiparticle pairs, and the "dressed" particle has properties that have to be renormalized. I don't think a full description is possible without a theory of quantum gravity, which we don't have.