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E-CENTRAL CREDIT UNION

Dec, 31, 2023 — E-CENTRAL CREDIT UNION is a federally insured state chartered credit union headquartered in PASADENA, CA with 1 branch location and about $172.45 million in total assets. Opened 81 years ago in 1943, E-CENTRAL CREDIT UNION has about 10,135 members and employs 33 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.


ABA Routing Number: 322079227
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:10,135
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, 2023
FHLB Member:Yes
Low Income Designation:No
Assets:$172,452,151
CEO/Manager:Mike Theodore
Chairperson:Mark Garmus

Call Report

  • First Time Homebuyer Program
  • International Remittances
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 17,019,803
TOTAL INVESTMENTS 0
Loans Held for Sale 0
 
 Real Estate Loans 119,006,737
 Unsecured Loans 5,014,759
 Other Loans 12,322,998
 TOTAL LOANS 136,344,494
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -1,197,521
 Land And Building 4,049,754
 Other Fixed Assets 148,331
 NCUSIF Deposit 1,354,772
 All Other Assets 0
  TOTAL ASSETS 172,452,151
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 2,364,937
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 26,033,156
 Regular shares 61,136,453
 All Other Shares & Deposits 45,287,804
  TOTAL SHARES & DEPOSITS 132,457,413
  TOTAL LIABILITIES 134,822,350
 Regular Reserve 0
 Other Reserves 0
 Undivided Earnings 37,629,801
  TOTAL EQUITY 37,629,801
  TOTAL LIABILITIES, SHARES, & EQUITY 172,452,151
INCOME & EXPENSE  
 Loan Income 7,105,709
 Investment Income 1,285,658
 Other Income 1,016,252
 Total Employee Compensation & Benefits 3,753,196
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 3,724,861
 Non-operating Income & (Expense) 1,670,348
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense -352,678
 Cost of Funds 543,440
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 3,768,173
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