Pasadena, California · Peer group 5
E-Central Credit Union
E-Central Credit Union holds $174.5M in assets across 8,834 members as of Q1 2026 — about $20K of assets per member, on a charter dating to 1943. Charter number 62323, in the $100M-$500M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $174.5M |
|---|---|
| Total loans | $113.0M |
| Total shares (deposits) | $132.3M |
| Net worth | $40.3M |
| Members | 8,834 |
| Assets per member | $20K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 0.9% | |
|---|---|---|
| Loans | -9.6% | lower than 97% of its peer group |
| Deposits | 0.6% | around the 26th percentile of its peer group |
| Members | -5.2% | lower than 90% of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 85.4% | around the 80th percentile of its peer group |
|---|---|---|
| Net worth ratio | 23.1% | higher than 99% of its peer group |
| Return on assets | 0.65% | around the 47th percentile of its peer group |
| Delinquency ratio | 0.84% | around the 67th percentile of its peer group |
| Cash / assets | 29.6% | higher than 99% of its peer group |
| Borrowings / assets | 0.0% | around the 40th percentile of its peer group |
What this page does not show
Everything above is E-Central Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within California — the comparison set a peer ratio is measured against.
- Santa Cruz Community Credit Union
Santa Cruz, CA
$174.3M · 14,639 members
- San Joaquin Power Employees Credit Union
FRESNO, CA
$173.3M · 6,531 members
- Vida Credit Union
Ontario, CA
$172.7M · 10,151 members
- Camino Credit Union
Montebello, CA
$179.2M · 12,637 members
- Compass Community Credit Union
Eureka, CA
$180.9M · 6,315 members
- South Bay Credit Union
Redondo Beach, CA
$164.3M · 9,930 members
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