State credit union · PASADENA, California · NCUA charter #62323
E-CENTRAL
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $174.5M
- Total assets
- 8,963
- Members
- 23.1%
- Net-worth ratio
E-CENTRAL scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $174.5M; members 8,963; net-worth ratio 23.08%; health rank #2,043 of 4,374; healthier than 50th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,043 of 4,374 health · 2025Q4E-CENTRAL · health 84/100 · $174.5M · 2025Q4
Call Report peers
E-CENTRAL in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
E-CENTRAL vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); E-CENTRAL sits in 80-84 with 767 others.
84 Top 50% higher than 50% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
E-CENTRAL: Call Report deltas vs peers
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +14.32 pp (86.52% vs 72.20%).
E-CENTRAL: in-state Call Report ranks
- Health composite ranks #126 of 243 among scored California credit unions.
- California assets place: #127 of 243.
- Member book place in California: #131 of 243.
- One place up in California, Sunkist Employees (#125) ties at 84/100; one place down, CERTIFIED (#127) ties at 84/100.
How E-CENTRAL's 5300 filing moved
E-CENTRAL: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.0% from $174.5M (2025Q4) to $174.5M (2026Q1).
- Net-worth ratio shifted +0.12 pp (22.96% → 23.08%).
23.08% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 84/100 score is built
E-CENTRAL gives up 16 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.6 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.4 pts
E-CENTRAL health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 23.08% | +10.97 pp |
| Delinquency Rate | 0.64% | -0.26 pp |
| Return on Assets | 1.08% | +0.46 pp |
| Member Growth | -5.27% | - |
| Loan-to-Share Ratio | 86.52% | +14.32 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - E-CENTRAL
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $174.5M | - |
| 2025Q4 | $174.5M | 8,963 |
| 2024Q4 | $169.2M | 9,462 |
| 2023Q4 | $172.5M | 10,135 |
Credit Union Details
- Charter Number
- 62323
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- California
- City
- PASADENA
- Data Quarter
- 2025Q4
Branch Location
E-CENTRAL operates a single office in Pasadena, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| E-Central Credit Union (Main Office) | Pasadena, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
More federally-insured credit unions based in California, ordered by peer group match and asset size.
Cross-state Call Report peers for E-CENTRAL
Using this data
- E-CENTRAL ranks #2,043 of 4,374 nationally on financial health and #126 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Santa Cruz Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Santa Cruz Community
Frequently Asked Questions
Is E-CENTRAL financially healthy?
On its 2025Q4 NCUA 5300 filing, E-CENTRAL scores 84/100 (Excellent), with a 23.08% net worth ratio and 0.64% of loans delinquent. It ranks #2,043 of 4,374 nationally on health and #126 of 243 in California.
How does E-CENTRAL compare to other credit unions?
E-CENTRAL scores 84/100, higher than 50% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (86.52% vs 72.20%).
How can I join E-CENTRAL?
Membership eligibility for E-CENTRAL depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact E-CENTRAL directly for current membership requirements and application steps.
Is my money safe at E-CENTRAL?
E-CENTRAL is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. E-CENTRAL's net worth ratio of 23.08% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.