First Imperial Credit Union


Overview / Commentary
760-352-1540
1602 W Main St
El Centro, CA 92243

First Imperial Credit Union is headquartered in El Centro and is the 122nd largest credit union in the state of California. It is also the 1,253rd largest credit union in the nation. It was established in 1942 and as of March of 2024, it had grown to 45 employees and 22,776 members at 4 locations. First Imperial Credit Union has an A health rating.

Field of Membership Restrictions

First Imperial Credit Union is open to anyone who lives, works, or worships in Imperial County, California, or the following Riverside County cities: Banning, Beaumont, Blythe, Cathedral City, Coachella, Desert Hot Springs, Indian Wells, Indio, La Quinta, Palm Desert, Palm Springs, Rancho Mirage, Thermal, or Thousand Palms. Immediate family members of current First Imperial Credit Union are also eligible to join. 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

Health Grade Components

Overall
NCUA #68356
Year Chartered1942
Employees45
Primary Regulator
Profit Margin
Return on Assets - YTD1.86%
Return on Equity - YTD14.91%
Annual Interest Income$2.7MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$204.8MM$188.5MM
LoansQ1 2024vs Q1 2023$146.9MM$132MM
DepositsQ1 2024vs Q1 2023$173.7MM$165MM
Equity CapitalQ1 2024vs Q1 2023$25MM$21.3MM
Loan Loss AllowanceQ1 2024vs Q1 2023$1.7MM$2.5MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$1.5MM$795K
Real Estate OwnedQ1 2024vs Q1 2023$0$0
Rates

Rates for First Imperial Credit Union are currently being reviewed.

Locations


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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