Sep, 30, 2025 — E-CENTRAL CREDIT UNION is a federally insured state chartered credit union headquartered in PASADENA, CA with 1 branch location and about $175.55 million in total assets. Opened 83 years ago in 1943, E-CENTRAL CREDIT UNION has about 9,102 members and employs 31 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | E-CENTRAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 990 S Fair Oaks Ave PASADENA, CA 91105 |
| Phone: | (626) 799-6000 |
| Fax: | (626) 799-6950 |
| Website: | https://www.ecentralcu.org |
| Branches: | 1 branch locations |
| Members: | 9,102 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 62323 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1943 |
| Last Audited: | Mar 01, 2025 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $175,554,987 |
| CEO/Manager: | Mike Theodore |
| Chairperson: | Mark Garmus |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 47,598,512 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 106,553,605 |
| Unsecured Loans | 4,204,155 |
| Other Loans | 7,428,205 |
| TOTAL LOANS | 118,185,965 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -898,866 |
| Land And Building | 3,946,225 |
| Other Fixed Assets | 72,120 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 1,216,381 |
| All Other Assets | 2,507,446 |
| TOTAL ASSETS | 175,554,987 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 2,396,225 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 26,645,346 |
| Regular shares | 55,279,646 |
| All Other Shares & Deposits | 51,470,515 |
| TOTAL SHARES & DEPOSITS | 133,395,506 |
| TOTAL LIABILITIES | 135,791,731 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 39,763,256 |
| TOTAL EQUITY | 39,763,256 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 175,554,987 |
| INCOME & EXPENSE | |
| Loan Income | 4,889,443 |
| Investment Income | 1,369,842 |
| Other Income | 620,150 |
| Total Employee Compensation & Benefits | 2,513,658 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 2,945,132 |
| Non-operating Income & (Expense) | 594,800 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 87,094 |
| Cost of Funds | 854,261 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 1,359,913 |
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