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990 S Fair Oaks Ave
Pasadena, CA 91105

E-Central Credit Union is headquartered in Pasadena and is the 122nd largest credit union in the state of California. It is also the 1,087th largest credit union in the nation. It was established in 1943 and as of March of 2014, it had grown to 47 employees and 16,733 members. E-Central Credit Union has a A health rating.

Field of Membership Restrictions

You are eligible to join E-Central if you meet one of the following criteria: 1. Work in one of E-Central's Select Employee Groups (SEGs); or 2. Have a family member or household partner that’s an E-Central Member; or 3. Belong to another credit union; or 4. Live, regularly work, currently attend school or regularly worship in San Gabriel Valley or The City of Commerce or neighboring cities around Commerce. Any and all businesses, corporations, and/or other legal entities that reside in the above cities or are a SEG are eligible to join E-Central as a business-member. - See Details

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Reviews (2)

I Would Not Recommend Them To Anyone

I was a customer of E-Central for over 10 years.  They gave adequate service, as long as I didn't need anything from them.  Otherwise, Customer service was poor, and unhelpful.  I had a problem with my account, and became overdrawn.  They closed my checking account and left only the savings account open, I talked to their account rep and he would not re-open the checking account.  What was worse, was that they reported onto my credit history that I owed them a balance, even though it was paid and I had an active account.  I made several calls to get this fixed and they said that they would make the correction to my credit report, but never did.  After speaking with the account rep for the fourth time about this he said, "Well, I'm going to need to see you increase your account balance on a regular basis, then I will look into it again."  That was the last straw.  I had to wait the 7 years for it to come off my record so that I can open an account with another institution.  Once I was able to open an account elsewhere, I closed my account with them (yes, during the whole time I couldn't open an account anywhere else, they kept my savings account open and in good standing).  I would not recommend them to my worst enemy.


Very unpolished workers at this credit union. Rude staff who rush and argue with members.


Data for Q1 2014

Institution Health


Texas Ratio


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 E-Central Credit Union had $1.05 million in non-current loans and owned real-estate with $27.98 million in equity and loan loss allowances on hand to cover it. This gives E-Central Credit Union a Texas Ratio of 3.77% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for E-Central Credit Union decreased dramatically from 6.46% as of March 31, 2013 to 3.77% as of March 31, 2014, resulting in a positive change of 41.66%.This indicates that the balance sheet and financial strength for E-Central Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, E-Central Credit Union has decreased its total deposits by -$5.81 million, resulting in -4.07% 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 E-Central Credit Union has shown is below average.



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. E-Central Credit Union has $162.5 million in assets with $27.98 million in equity, resulting in a capitalization level of 17.22%, which is excellent.

Institution Statistics

NCUA #62323
Year Chartered1943
Primary Regulator
Assets and Liabilities
Assets$162.50 million
Loans$93.18 million
Deposits$136.86 million
Equity Capital$25.04 million
Loan Loss Allowance$2.95 million
Unbacked Noncurrent Loans$1.05 million
Real Estate Owned$0
Historic Data - March 2013
Assets$165.03 million
Equity Capital$21.81 million
Loan Loss Allowance$4.74 million
Unbacked Noncurrent Loans$1.05 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.2%
Return on Assets1.21%
Return on Equity7.86%
Interest Income$1.38 million

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E-Central Credit Union Savings Account Rates

0.05%$250-Membership Savings
0.05%$250-Personal (U-Name-It) Savings
0.05%$250-Holiday Club Savings
0.05%$250-IRA Savings
0.05%$250-CESA Savings
0.05%$250-Roth IRA Savings

E-Central Credit Union Money Market Rates

0.25%$100k-Money Market

E-Central Credit Union Checking Account Rates

0.05%$250-Premium Checking

E-Central Credit Union CD Rates

1.75%$1k-60 Month CD
1.25%$1k-48 - 59 Month CD
1.00%$1k-36 - 47 Month CD
0.80%$1k-24 - 35 Month CD
0.60%$1k-12 - 23 Month CD
0.40%$1k-6 - 11 Month CD
0.25%$1k-3 - 5 Month CD

E-Central Credit Union IRA Rates

1.75%$1k-60 Month IRA
1.25%$1k-48 - 59 Month IRA
1.00%$1k-36 - 47 Month IRA
0.80%$1k-24 - 35 Month IRA
0.60%$1k-12 - 23 Month IRA
0.40%$1k-6 - 11 Month IRA
0.25%$1k-3 - 5 Month IRA

E-Central Credit Union Locations
Branch Office990 S Fair Oaks AvePasadena, CA 91105