Educational Employees Credit Union (EECU) is headquartered in Fresno and is the 16th largest credit union in the state of California. It is also the 85th largest credit union in the nation. It was established in 1934 and as of December of 2024, it had grown to 564 employees and 382,323 members at 23 locations. Educational Employees Credit Union (EECU)'s CD rates are 5X the national average, and it has an A health rating.
Field of Membership Restrictions
Membership in Educational Employees Credit Union is open to employees, retirees, students, or members of school districts in the California counties of Fresno, Inyo, Kern, Kings, Madera, Mariposa, Merced, Monterey, San Benito, San Luis Obispo, Stanislaus, or Tulare. their relatives. Membership is also open to employees of the City of Fresno, St. Agnes Hospital (Fresno), or Valley Children’s Healthcare
See current membership details
EECU NO MORE
All I can say is this is the first of many platforms that I will tell you guys why not to bank at EECU anymore. I have a 780 score with 0 delinquent account on my credit. I have never had a bankruptcy or had a loan problem until now. I've been banking with EECU since I was a student and have done multiple car loans with them that have been paid off. Their mortgage department loan officers Trudy Brandon and Trisha are not all on the same page. Diane Morales, the supervisor, didn't want to take my calls after she knew Trudy messed up and had me pay off all my bills. And after all that, they still told me I didn't qualify due to the debt to income ratio. Mind you, I paid off $60,000 off my credit report. Trudy kept saying they follow Freddie Mac and Fannie Mae guidelines which have had government bailouts. The moral of the story is they are not an equal housing lender and after all they have put me through Trudy was still asking me to come up with $23,000 down. What a joke of a bank. If I didn't have a loan with EECU right now I would close all my accounts with them and never do business again. Do yourself a favor and do business with a bank that appreciates you and does make you feel like you have rat credit or you can't pay your bills.
Health Grade Components
| Overall | |
|---|---|
| NCUA # | 60520 |
| Year Chartered | 1934 |
| Employees | 564 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.34% |
| Return on Equity - YTD | 12.09% |
| Annual Interest Income | $170.2MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2024vs Q4 2023 | $4.71B$4.65B |
| Loans | Q4 2024vs Q4 2023 | $2.21B$2.12B |
| Deposits | Q4 2024vs Q4 2023 | $4.13B$4.06B |
| Equity Capital | Q4 2024vs Q4 2023 | $520.2MM$432.9MM |
| Loan Loss Allowance | Q4 2024vs Q4 2023 | $30.3MM$25.6MM |
| Unbacked Noncurrent Loans | Q4 2024vs Q4 2023 | $5.1MM$3.5MM |
| Real Estate Owned | Q4 2024vs Q4 2023 | $0$0 |
