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
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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
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
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.
Data as of Q3 2022
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 68356 |
| Year Chartered | 1942 |
| Employees | 30 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.27% |
| Return on Equity - YTD | 11.42% |
| Annual Interest Income | $5.1MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q3 2022vs Q3 2021 | $186.1MM$179.4MM |
| Loans | Q3 2022vs Q3 2021 | $124.2MM$101.9MM |
| Deposits | Q3 2022vs Q3 2021 | $155.5MM$158.0MM |
| Equity Capital | Q3 2022vs Q3 2021 | $20.8MM$17.1MM |
| Loan Loss Allowance | Q3 2022vs Q3 2021 | $803.00K$1.2MM |
| Unbacked Noncurrent Loans | Q3 2022vs Q3 2021 | $856.00K$612.00K |
| Real Estate Owned | Q3 2022vs Q3 2021 | $0$0 |