Dec, 31, 2023 — CENTRAL STATE CREDIT UNION is a federally insured state chartered credit union headquartered in STOCKTON, CA with 4 branch locations and about $228.94 million in total assets. Opened 88 years ago in 1936, CENTRAL STATE CREDIT UNION has about 16,185 members and employs 45 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | CENTRAL STATE CREDIT UNION |
|---|---|
| Address: (Main Office) | 919 N Center St STOCKTON, CA 95202 |
| Phone: | (209) 444-5300 |
| Fax: | (209) 444-5372 |
| Website: | https://www.centralstatecu.org |
| Branches: | 4 branch locations |
| Members: | 16,185 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 60363 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1936 |
| Last Audited: | Jun 01, 2023 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $228,943,528 |
| CEO/Manager: | Anna Lo |
| Chairperson: | Linda S Frontz |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 13,465,241 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 7,197,595 |
| Unsecured Loans | 8,150,651 |
| Other Loans | 71,337,466 |
| TOTAL LOANS | 86,685,713 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -573,774 |
| Land And Building | 3,137,111 |
| Other Fixed Assets | 59,417 |
| NCUSIF Deposit | 2,151,093 |
| All Other Assets | 41,611 |
| TOTAL ASSETS | 228,943,528 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 1,395,072 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 59,574,365 |
| Regular shares | 100,652,526 |
| All Other Shares & Deposits | 58,992,244 |
| TOTAL SHARES & DEPOSITS | 219,219,136 |
| TOTAL LIABILITIES | 220,614,208 |
| Regular Reserve | 0 |
| Other Reserves | -13,872,246 |
| Undivided Earnings | 22,201,566 |
| TOTAL EQUITY | 8,329,320 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 228,943,528 |
| INCOME & EXPENSE | |
| Loan Income | 4,302,160 |
| Investment Income | 2,081,139 |
| Other Income | 1,076,172 |
| Total Employee Compensation & Benefits | 3,414,167 |
| NCUSIF Premiums Expense | 0 |
| Total Other Operating Expenses | 4,191,706 |
| Non-operating Income & (Expense) | 36,000 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 55,244 |
| Cost of Funds | 517,731 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 964,011 |
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