Sep, 30, 2025 — CENTRAL STATE CREDIT UNION is a federally insured state chartered credit union headquartered in STOCKTON, CA with 4 branch locations and about $230.38 million in total assets. Opened 90 years ago in 1936, CENTRAL STATE CREDIT UNION has about 14,738 members and employs 48 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: | 14,738 |
| 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, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $230,384,610 |
| CEO/Manager: | Paul Kramer |
| Chairperson: | Linda S Frontz |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 26,066,171 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 20,300,240 |
| Unsecured Loans | 7,277,990 |
| Other Loans | 38,160,794 |
| TOTAL LOANS | 65,739,024 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -968,523 |
| Land And Building | 2,999,150 |
| Other Fixed Assets | 538,700 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 2,139,553 |
| All Other Assets | 5,046 |
| TOTAL ASSETS | 230,384,610 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 752,989 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 59,278,375 |
| Regular shares | 114,030,720 |
| All Other Shares & Deposits | 41,633,590 |
| TOTAL SHARES & DEPOSITS | 214,942,684 |
| TOTAL LIABILITIES | 215,695,673 |
| Regular Reserve | 0 |
| Other Reserves | -7,997,288 |
| Undivided Earnings | 22,686,225 |
| TOTAL EQUITY | 14,688,937 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 230,384,610 |
| INCOME & EXPENSE | |
| Loan Income | 2,553,988 |
| Investment Income | 3,158,291 |
| Other Income | 699,473 |
| Total Employee Compensation & Benefits | 2,291,251 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 3,270,726 |
| Non-operating Income & (Expense) | 28,305 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 650,025 |
| Cost of Funds | 925,593 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 479,065 |
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