Sep, 30, 2025 — FIRST IMPERIAL CREDIT UNION is a federally insured state chartered credit union headquartered in EL CENTRO, CA with 4 branch locations and about $219.65 million in total assets. Opened 84 years ago in 1942, FIRST IMPERIAL CREDIT UNION has about 23,381 members and employs 67 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | FIRST IMPERIAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 1602 W Main St EL CENTRO, CA 92243-2232 |
| Phone: | (760) 352-1540 |
| Fax: | (760) 352-1887 |
| Website: | https://www.ficu.com |
| Branches: | 4 branch locations |
| Members: | 23,381 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 68356 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1942 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $219,647,617 |
| CEO/Manager: | Fidel Gonzalez |
| Chairperson: | Alexis Araujo |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 10,971,614 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 12,074,346 |
| Unsecured Loans | 18,926,163 |
| Other Loans | 151,018,204 |
| TOTAL LOANS | 182,018,713 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -2,940,995 |
| Land And Building | 5,744,787 |
| Other Fixed Assets | 1,532,724 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 1,675,090 |
| All Other Assets | 50,743 |
| TOTAL ASSETS | 219,647,617 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 2,309,758 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 41,871,906 |
| Regular shares | 68,090,260 |
| All Other Shares & Deposits | 74,596,018 |
| TOTAL SHARES & DEPOSITS | 184,558,184 |
| TOTAL LIABILITIES | 186,867,942 |
| Regular Reserve | 0 |
| Other Reserves | 1,496,959 |
| Undivided Earnings | 31,282,716 |
| TOTAL EQUITY | 32,779,675 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 219,647,617 |
| INCOME & EXPENSE | |
| Loan Income | 8,687,853 |
| Investment Income | 923,212 |
| Other Income | 2,252,060 |
| Total Employee Compensation & Benefits | 4,130,296 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 3,490,717 |
| Non-operating Income & (Expense) | -10,754 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 1,605,879 |
| Cost of Funds | 2,138,982 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 6,088,074 |
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