E-Central Credit Union

990 South Fair Oaks Ave
Pasadena, CA 91105
(626) 799-6000
www.ecentralcu.org

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E-Central Credit Union is headquartered in PASADENA and is the 119^st largest credit union in the state of California. It is also the 979^th largest credit union in the nation. It was established in 1943 and as of December of 2011, it had grown to 36 employees and 17,473 members. E-Central Credit Union has a 4-star health rating.

E-Central Credit Union Routing Number: 322079227

CD Early Withdrawal Penalty Terms Ambiguity (Forum) - 5/6/2011

Not only this Credit Union, but more and more I am seeing the below conflicting provisions in both CU and Banks' EWP clauses. Like with E-Central, BOTH paragraphs exist within the CD Disclosure (these are E-Central's paragraphs 6. and 8.). You

Competitive CD Rates at E-Central Credit Union in Los Angeles - Easy Membership - 2/3/2011

E-Central Credit Union continues to offer some competitive long-term CD and IRA CD rates. These include a 2.62% APY 5-year CD, a 2.27% APY 4-year CD and a 1.97% APY 3-year CD. Minimum deposit for thes ...

Competitive CD and IRA CD Rates at E-Central Credit Union in Los Angeles - Easy Membership - 9/15/2010

E-Central Credit Union is offering some competitive long-term CD and IRA CD rates. These include a 2.87% APY 5-year CD, a 2.62% APY 4-year CD and a 2.27% APY 3-year CD. Minimum deposit for these rates ...

2.00% 12-Month Semi-Liquid CD at E-Central Credit Union in CA - Easy Membership - 10/26/2009

E-Central Credit Union continues to offer a special 12-month semi-liquid CD. The rate has fallen since my June post, but it remains competitive with a 2.00% APY. This special is listed in the credit union's News Center page as of 10/26/09.The credit...

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11/15 - 5.35% 9-Month CD at a California CU - Easy Membership (E-Central).

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See Rates for: Checking | Savings | Money Market | CD | IRA

E-Central Credit Union Checking Account Rates

	Apy	Min	Max	Product
	0.05%	$500	-	Premium Checking

E-Central Credit Union Savings Account Rates

Apy	Min	Max	Product
0.05%	$30	-	Membership Savings
0.05%	-	-	Personal (U-Name-It) Savings
0.05%	-	-	Holiday Club Savings
0.05%	-	-	IRA Savings
0.05%	-	-	CESA Savings
0.05%	-	-	Roth IRA Savings

E-Central Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.25%	$100k	-	Money Market Account

E-Central Credit Union CD Rates

Apy	Min	Max	Product
1.41%	$1k	-	60 Month CD
1.00%	$1k	-	48 - 59 Month CD
0.75%	$1k	-	36 - 47 Month CD
0.60%	$1k	-	24 - 35 Month CD
0.40%	$1k	-	12 - 23 Month CD
0.35%	$1k	-	6 - 11 Month CD
0.20%	$1k	-	3 - 5 Month CD

E-Central Credit Union IRA Rates

Apy	Min	Max	Product
1.41%	$1k	-	60 Month IRA
1.41%	$1k	-	60 Month Roth IRA
1.41%	$1k	-	60 Month CESA
1.00%	$1k	-	48 - 59 Month IRA
1.00%	$1k	-	48 - 59 Month Roth IRA
1.00%	$1k	-	48 - 59 Month CESA
0.75%	$1k	-	36 - 47 Month IRA
0.75%	$1k	-	36 - 47 Month Roth IRA
0.75%	$1k	-	36 - 47 Month CESA
0.60%	$1k	-	24 - 35 Month IRA
0.60%	$1k	-	24 - 35 Month Roth IRA
0.60%	$1k	-	24 - 35 Month CESA
0.40%	$1k	-	12 - 23 Month IRA
0.40%	$1k	-	12 - 23 Month Roth IRA
0.40%	$1k	-	12 - 23 Month CESA
0.35%	$1k	-	6 - 11 Month IRA
0.35%	$1k	-	6 - 11 Month Roth IRA
0.35%	$1k	-	6 - 11 Month CESA
0.20%	$1k	-	3 - 5 Month IRA
0.20%	$1k	-	3 - 5 Month Roth IRA
0.20%	$1k	-	3 - 5 Month CESA

Rates updated: 5/24/2012

Data for Q4 2011

Institution Statistics

E-CENTRAL
NCUA #	62323
BankRate Report	View
Year Chartered	1943
Employees	36
Primary Regulator
Assets and Liabilities
Assets	$166.69 million
Loans	$94.45 million
Deposits	$147.92 million
Equity Capital	$18.06 million
Loan Loss Allowance	$6.92 million
Unbacked Noncurrent Loans	$5.00 million
Real Estate Owned	$472,000
Historic Data - December 2010
Assets	$170.53 million
Equity Capital	$15.96 million
Loan Loss Allowance	$7.92 million
Unbacked Noncurrent Loans	$9.34 million
Real Estate Owned	$1.17 million
Profit Margin - Quarterly
Net Interest Margin	5.18%
Return on Assets	1.26%
Return on Equity	11.64%
Interest Income	$6.93 million
Non-Interest Income	$2.48 million

Institution Health

Overall Score:

4 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 E-Central Credit Union had $5.48 million in non-current loans and owned real-estate with $24.98 million in equity and loan loss allowances on hand to cover it. This gives E-Central Credit Union a Texas Ratio of 21.92% which is average. 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 significantly from 43.98% as of December 31, 2010 to 21.92% as of December 31, 2011, resulting in a positive change of 50.16%.This indicates that the balance sheet and financial strength for E-Central Credit Union has improved significantly in recent periods.
Deposit Growth
In the past year, E-Central Credit Union has decreased its total deposits by -$5.28 million, resulting in -3.45% 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.
Capitalization
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 $166.69 million in assets with $24.98 million in equity, resulting in a capitalization level of 14.99%, which is excellent.