E-Central Credit Union (NCUA charter #62323) is based in Pasadena, California. Its Q2 2026 call report shows $173.5M in total assets and $130.7M in member shares and deposits and 1 office.
Based on its Q2 2026 filing, E-Central Credit Union scores 78/100, which we describe as strong. That is higher than 74% of 1,341 credit unions with $100 million – $1 billion. Among 238 credit unions headquartered in California, it ranks 69th. Its strongest component is capital cushion (100/100; 23.41%), and its lowest is earnings (49/100; 0.72%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 4 points (82 → 78), mostly because the earnings component weakened by 13 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 84 |
| Q3 2024 | 82 |
| Q4 2024 | 64 |
| Q1 2025 | 66 |
| Q2 2025 | 82 |
| Q3 2025 | 81 |
| Q4 2025 | 81 |
| Q1 2026 | 77 |
| Q2 2026 | 78 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 22.56% |
| Q3 2024 | 22.43% |
| Q4 2024 | 22.78% |
| Q1 2025 | 22.51% |
| Q2 2025 | 22.46% |
| Q3 2025 | 22.69% |
| Q4 2025 | 22.96% |
| Q1 2026 | 23.08% |
| Q2 2026 | 23.41% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.20% |
| Q3 2024 | 0.60% |
| Q4 2024 | 2.58% |
| Q1 2025 | 2.38% |
| Q2 2025 | 0.50% |
| Q3 2025 | 0.67% |
| Q4 2025 | 0.64% |
| Q1 2026 | 0.84% |
| Q2 2026 | 0.77% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.07% |
| Q3 2024 | 1.22% |
| Q4 2024 | 1.12% |
| Q1 2025 | 1.04% |
| Q2 2025 | 1.04% |
| Q3 2025 | 1.03% |
| Q4 2025 | 0.92% |
| Q1 2026 | 0.65% |
| Q2 2026 | 0.72% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 78 | $173.5M | 23.41% | 0.77% | 0.72% | 84.6% |
| Q1 2026 | 77 | $174.5M | 23.08% | 0.84% | 0.65% | 85.4% |
| Q4 2025 | 81 | $174.5M | 22.96% | 0.64% | 0.92% | 86.5% |
| Q3 2025 | 81 | $175.6M | 22.69% | 0.67% | 1.03% | 88.6% |
| Q2 2025 | 82 | $175.4M | 22.46% | 0.50% | 1.04% | 88.9% |
| Q1 2025 | 66 | $172.9M | 22.51% | 2.38% | 1.04% | 95.1% |
| Q4 2024 | 64 | $169.2M | 22.78% | 2.58% | 1.12% | 101.1% |
| Q3 2024 | 82 | $170.4M | 22.43% | 0.60% | 1.22% | 101.2% |
| Q2 2024 | 84 | $171.5M | 22.56% | 0.20% | 1.07% | 101.9% |
1,341 peers · $100 million – $1 billion
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in California
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Vida Federal Credit UnionCredit union Ontario, CA | 83 out of 100, Strong | $174.6M | 13.8% | 0.13% | vs |
| San Joaquin Power Employees Credit UnionCredit union Fresno, CA | 84 out of 100, Strong | $174.9M | 15.4% | 0.04% | vs |
| Santa Cruz Community Credit UnionCredit union Santa Cruz, CA | 57 out of 100, Moderate | $172.1M | 10.6% | 0.52% | vs |
| California Lithuanian Credit UnionCredit union Santa Monica, CA | 70 out of 100, Strong | $175.1M | 17.4% | 1.45% | vs |
| Mission City Federal Credit UnionCredit union Santa Clara, CA | 62 out of 100, Moderate | $171.7M | 8.3% | 0.17% | vs |
| Camino Federal Credit UnionCredit union Montebello, CA | 60 out of 100, Moderate | $178.8M | 12.3% | 1.39% | vs |
Deposit insurance
Is my money safe at E-Central Credit Union?
Yes. E-Central Credit Union is a federally insured credit union (NCUA charter #62323). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 6.9% of shares and deposits ($9.1M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 23.41%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
E-Central Credit Union lists 1 office in 1 city. Most locations:
- Pasadena, CA (1)
Identity & history
Profile
- Legal name
- E-Central Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 62323
- RSSD ID
- 840493
- Primary regulator
- State + NCUA
- Established
- 1943
- Headquarters
- 990 S Fair Oaks Ave, Pasadena, CA 91105
- Employees
- 29
Quick answers
E-Central Credit Union: common questions
Is E-Central Credit Union NCUA insured?
Yes. E-Central Credit Union is a federally insured credit union (NCUA charter #62323). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is E-Central Credit Union's TellerScore?
78 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does E-Central Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Pasadena
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Bank of New York Mellon Trust Company, National AssociationBank Los Angeles, CA | 100 out of 100, Very strong | $1.4B | 63.5% | 0.00% | vs |
| California Adventist Federal Credit UnionCredit union Glendale, CA | 89 out of 100, Very strong | $44.7M | 20.1% | 0.04% | vs |
| Asian Pacific National BankBank San Gabriel, CA | 89 out of 100, Very strong | $56.9M | 20.1% | 0.00% | vs |
| American Plus Bank, N.A.Bank Arcadia, CA | 88 out of 100, Very strong | $935.0M | 16.5% | 0.04% | vs |
| L. A. Electrical Workers Credit Un. Credit UnionCredit union Pasadena, CA | 88 out of 100, Very strong | $54.8M | 19.8% | 0.08% | vs |
| Certified Federal Credit UnionCredit union El Monte, CA | 88 out of 100, Very strong | $925.3M | 20.7% | 0.37% | vs |