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Overview / Commentary
800-675-5114
919 N Center St
Stockton, CA 95202

Central State Credit Union is headquartered in Stockton and is the 128th largest credit union in the state of California. It is also the 1,165th largest credit union in the nation. It was established in 1936 and as of March of 2014, it had grown to 47 employees and 20,280 members. Central State Credit Union has a A health rating.

Field of Membership Restrictions

Must live, work or woship in San Joaquin, Stanislaus, Tuolumne, Amador or Calaveras County or be a State employee in Solano, Alpine, Merced or Mariposa County. - See Details

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Health

Data for Q1 2014

Institution Health

A

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Central State Credit Union had $354,000 in non-current loans and owned real-estate with $14.88 million in equity and loan loss allowances on hand to cover it. This gives Central State Credit Union a Texas Ratio of 2.38% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for Central State Credit Union decreased dramatically from 7.30% as of March 31, 2013 to 2.38% as of March 31, 2014, resulting in a positive change of 67.41%.This indicates that the balance sheet and financial strength for Central State Credit Union has improved dramatically in recent periods.

Deposit Growth

GRADE:
C+

In the past year, Central State Credit Union has decreased its total deposits by -$1.03 million, resulting in -0.75% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Central State Credit Union has shown is average.

Capitalization

GRADE:
B+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Central State Credit Union has $148 million in assets with $14.88 million in equity, resulting in a capitalization level of 10.05%, which is above average.

Institution Statistics

Overall
NCUA #60363
Year Chartered1936
Employees47
Primary Regulator
Assets and Liabilities
Assets$148.00 million
Loans$91.71 million
Deposits$135.75 million
Equity Capital$12.62 million
Loan Loss Allowance$2.25 million
Unbacked Noncurrent Loans$354,000
Real Estate Owned$0
Historic Data - March 2013
Assets$150.86 million
Equity Capital$13.38 million
Loan Loss Allowance$2.59 million
Unbacked Noncurrent Loans$354,000
Real Estate Owned$260,000
Profit Margin - Quarterly
Net Interest Margin1.23%
Return on Assets0.72%
Return on Equity8.43%
Interest Income$1.31 million
Rates
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Central State Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.20%$100k-Share Plus Account
0.10%$100k-IRA Share Account
0.10%$100k-Regular Share Account
0.10%$100k-Roth IRA Share Account
0.10%$100k-Coverdell Education Savings Account
0.06%$100-Christmas Club Account
0.06%--Planet M & Boom Account

Central State Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.16%$50k-Premium Checking Account

Central State Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
1.15%$100k-60 Month Jumbo Plus Share Certificate
1.10%$10k$25k60 Month Premium Share Certificate
1.10%$25k$50k60 Month Premium Plus Share Certificate
1.10%$50k$100k60 Month Jumbo Share Certificate
1.05%$1k$10k60 Month Share Certificate
0.80%$100k-48 - 59 Month Jumbo Plus Share Certificate
0.75%$1k$10k48 - 59 Month Share Certificate
0.75%$10k$25k48 - 59 Month Premium Share Certificate
0.75%$25k$50k48 - 59 Month Premium Plus Share Certificate
0.75%$50k$100k48 - 59 Month Jumbo Share Certificate
0.60%$100k-36 - 47 Month Jumbo Plus Share Certificate
0.55%$1k$10k36 - 47 Month Share Certificate
0.55%$10k$25k36 - 47 Month Premium Share Certificate
0.55%$25k$50k36 - 47 Month Premium Plus Share Certificate
0.55%$50k$100k36 - 47 Month Jumbo Share Certificate
0.45%$100k-24 - 35 Month Jumbo Plus Share Certificate
0.40%$1k$10k24 - 35 Month Share Certificate
0.40%$10k$25k24 - 35 Month Premium Share Certificate
0.40%$25k$50k24 - 35 Month Premium Plus Share Certificate
0.40%$50k$100k24 - 35 Month Jumbo Share Certificate
0.35%$100k-12 - 23 Month Jumbo Plus Share Certificate
0.30%$1k$10k12 - 23 Month Share Certificate
0.30%$10k$25k12 - 23 Month Premium Share Certificate
0.30%$25k$50k12 - 23 Month Premium Plus Share Certificate
0.30%$50k$100k12 - 23 Month Jumbo Share Certificate
0.20%$500$1k180 Day Planet M & Boom Youth Certificate
0.20%$1k$5k180 Day Planet M & Boom Premium Youth Certificate

Central State Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
1.15%$100k-60 Month Jumbo Plus IRA Certificate
1.10%$10k$25k60 Month Premium IRA Share Certificate
1.10%$25k$50k60 Month Premium Plus IRA Certificate
1.10%$50k$100k60 Month Jumbo IRA Certificate
1.05%$1k$10k60 Month IRA Certificate
0.80%$100k-48 - 59 Month Jumbo Plus IRA Certificate
0.75%$1k$10k48 - 59 Month IRA Certificate
0.75%$10k$25k48 - 59 Month Premium IRA Share Certificate
0.75%$25k$50k48 - 59 Month Premium Plus IRA Certificate
0.75%$50k$100k48 - 59 Month Jumbo IRA Certificate
0.60%$100k-36 - 47 Month Jumbo Plus IRA Certificate
0.55%$1k$10k36 - 47 Month IRA Certificate
0.55%$10k$25k36 - 47 Month Premium IRA Share Certificate
0.55%$25k$50k36 - 47 Month Premium Plus IRA Certificate
0.55%$50k$100k36 - 47 Month Jumbo IRA Certificate
0.45%$100k-24 - 35 Month Jumbo Plus IRA Certificate
0.40%$1k$10k24 - 35 Month IRA Certificate
0.40%$10k$25k24 - 35 Month Premium IRA Share Certificate
0.40%$25k$50k24 - 35 Month Premium Plus IRA Certificate
0.40%$50k$100k24 - 35 Month Jumbo IRA Certificate
0.35%$100k-12 - 23 Month Jumbo Plus IRA Certificate
0.30%$1k$10k12 - 23 Month IRA Certificate
0.30%$10k$25k12 - 23 Month Premium IRA Share Certificate
0.30%$25k$50k12 - 23 Month Premium Plus IRA Certificate
0.30%$50k$100k12 - 23 Month Jumbo IRA Certificate
Locations


Central State Credit Union Locations
Branch Office363 S Lower Sacramento RdLodi, CA 95242-3323
Branch Office5242 N El Dorado StStockton, CA 95207-5845
Branch Office462 W Saint Charles StSan Andreas, CA 95249-9664
Branch Office919 N Center StStockton, CA 95202