First Imperial Credit Union

Overview / Commentary
1602 W Main St
El Centro, CA 92243

First Imperial Credit Union is headquartered in El Centro and is the 125th largest credit union in the state of California. It is also the 1,308th largest credit union in the nation. It was established in 1942 and as of September of 2022, it had grown to 30 employees and 21,062 members at 4 locations. First Imperial Credit Union has a B+ health rating.

Field of Membership Restrictions

First Imperial Credit Union is open to anyone who lives, works, or worships in Imperial County. Immediate family of existing credit union members are also eligible.
See current membership details

Reviews (3)

Filled With Lies

Went to refinance my auto and was told that they do not have a minimum credit score requirement. After two days I received a phone call that I was denied because of my credit score, that is called bait and switch. Already had paid off a vehicle with them ahead of time, all I know is that I will never do business with this bank,ever.

Membership Restricted

Posted by: |

One cannot open an account unless one "regularly works, lives or worships in the Imperial Valley." No affinity  groups or other means of qualification are allowed.

Cannot Access Site

Posted by: |

On any browser, indicator keeps circling as cannot connect with server. Thus ZERO serviceability, folks.  I was in banking for years and we never had that problem, even when the chinese were trying to hack in.


Health Grade Components

NCUA #68356
Year Chartered1942
Primary Regulator
Profit Margin
Return on Assets - YTD1.27%
Return on Equity - YTD11.42%
Annual Interest Income$5.1MM
Assets and Liabilities
AssetsQ3 2022vs Q3 2021$186.1MM$179.4MM
LoansQ3 2022vs Q3 2021$124.2MM$101.9MM
DepositsQ3 2022vs Q3 2021$155.5MM$158.0MM
Equity CapitalQ3 2022vs Q3 2021$20.8MM$17.1MM
Loan Loss AllowanceQ3 2022vs Q3 2021$803.00K$1.2MM
Unbacked Noncurrent LoansQ3 2022vs Q3 2021$856.00K$612.00K
Real Estate OwnedQ3 2022vs Q3 2021$0$0

Rates for First Imperial Credit Union are currently being reviewed.


First Imperial Credit Union Locations
Branch Office1020 S Brawley AveBrawley, CA 92227
Branch Office1602 W Main StEl Centro, CA 92243-2232
Branch Office1010 Cole BlvdCalexico, CA 92231
Branch Office123 W Barioni Blvd Ste DImperial, CA 92251

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