E-Central Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
1.75%	5-year CD	60 Month CD 2.50% - Ally Bank High Yield 5 Year CD
1.25%	4-year CD	48 - 59 Month CD 2.40% - Goldman Sachs Bank USA High-yield 4 Year CD
1.00%	3-year CD	36 - 47 Month CD 2.35% - Synchrony Bank 36 Month CD

View all E-Central Credit Union rates »

Overview / Commentary

www.ecentralcu.org

626-799-6000

990 S Fair Oaks Ave
Pasadena, CA 91105

E-Central Credit Union is headquartered in Pasadena and is the 125^th largest credit union in the state of California. It is also the 1,197^th largest credit union in the nation. It was established in 1943 and as of December of 2017, it had grown to 46 employees and 14,562 members at 2 locations. E-Central Credit Union has an A health rating.

Field of Membership Restrictions

E-Central Credit Union of California is open to the residents, people maintaining employment, church members, and registered students in any of the qualifying locations of California that are listed on the credit union website, employees of the credit union affiliated select employer groups, members of any other credit unions, and the family members or household residents of current credit union members.
See current membership details

Professionalism

Posted by: Anonymous | May 1, 2012

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

Comment

2

I Would Not Recommend Them To Anyone

Posted by: MarioS | Feb 15, 2013

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.

Comment

1

Health

A

Data as of Q4 2017

Learn why bank health matters

Health Grade Components

Overall
NCUA #	62323
Year Chartered	1943
Employees	46
Primary Regulator

Profit Margin
Return on Assets - YTD	0.72%
Return on Equity - YTD	3.84%
Annual Interest Income	$5.6MM

Assets and Liabilities
Assets	Q4 2017vs Q4 2016	$157.9MM$159.0MM
Loans	Q4 2017vs Q4 2016	$107.1MM$92.2MM
Deposits	Q4 2017vs Q4 2016	$126.9MM$129.3MM
Equity Capital	Q4 2017vs Q4 2016	$29.9MM$28.7MM
Loan Loss Allowance	Q4 2017vs Q4 2016	$949.00K$1.3MM
Unbacked Noncurrent Loans	Q4 2017vs Q4 2016	$238.00K$597.00K
Real Estate Owned	Q4 2017vs Q4 2016	$0$0

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