Credit union · NCUA insured
E-Central Credit Union
A $174.5M credit union headquartered in Pasadena, CA, with 8,834 members and 1 branch in California. Best rates: CDs 1.90% and savings 0.05% APY.
E-Central Credit Union Carrot Score
61
Carrot Score
Higher than 4% of U.S. banks and credit unions
#124 of 128 in Los Angeles, CA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About E-Central Credit Union
E-Central Credit Union is located in Pasadena, California, serving Southern California members throughout Los Angeles County.
- Headquarters
- 990 S Fair Oaks Ave, Pasadena, CA 91105
- NCUA charter
- 62323
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Any business, corporation, or other legal entity located in the eligible cities can join E-Central as a business-member.
- Individuals who live, work, attend school, or worship in San Gabriel Valley, Commerce, CA, or neighboring cities of Commerce are eligible for membership.
Employers and groups
- Employees of Select Employee Groups are eligible to join.
Family and household
- Family members or household partners of a current E-Central member in good standing are eligible to join.
Other ways
- Individuals who belong to another credit union are eligible to join.
Branches
1 branch in California
Loading map…
California
1 branch
- E-Central Credit UnionMain office990 S Fair Oaks Ave, Pasadena, CA 91105Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 23.41% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.77% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.72% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $85 | $76 | — |
- CapitalNet worth ratio23.41%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.77%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.72%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$85Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of E-Central Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.