Credit Union Safety Analysis
Is E-Central Credit Union Safe? Pasadena, California
Based on its Q2 2026 NCUA 5300 call report, E-Central Credit Union has a net worth ratio of 23.41%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.77%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, E-Central Credit Union's net worth ratio is 23.41%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 23.41%
- Delinquency ratio (60+ days) (Q2 2026): 0.77%
- Return on assets (Q2 2026): 0.79%
- Loan-to-share ratio (Q2 2026): 84.55%
E-Central Credit Union (NCUA charter 62323, established 1943) reported $173.5M in assets and 8,757 members for Q2 2026 from Pasadena, California. It ranks 128 of 238 credit unions in California by total assets. Total assets fell 1.0% from $175.4M on June 30, 2025. It has 412 fewer members than on June 30, 2025 (-4.5%). Its net worth ratio was up 0.95 percentage points from 22.46% on June 30, 2025. Commercial loans are its largest loan category, $68.2M of $110.5M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.77% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 23.08% for Q1 2026; 22.46% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.84% for Q1 2026; 0.50% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.65% for Q1 2026; 1.05% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 85.42% for Q1 2026; 88.93% for Q2 2025.
Loans by type, Q2 2026
- Commercial loans: $68.2M
- 1- to 4-family residential and other consumer real estate loans: $33.3M
- Used vehicle loans: $2.6M
- Other unsecured loans and lines of credit: $2.2M
- New vehicle loans: $2.1M
- Unsecured credit card loans: $1.5M
- Other secured non-real estate loans and lines of credit: $581K
- Non-federally guaranteed student loans: $65K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $173.5M | 23.41% | 0.77% | 0.79% | 84.55% |
| March 31, 2026 | $174.5M | 23.08% | 0.84% | 0.65% | 85.42% |
| December 31, 2025 | $174.5M | 22.96% | 0.64% | 0.55% | 86.52% |
| September 30, 2025 | $175.6M | 22.69% | 0.67% | 1.02% | 88.60% |
| June 30, 2025 | $175.4M | 22.46% | 0.50% | 1.05% | 88.93% |
| March 31, 2025 | $172.9M | 22.51% | 2.38% | 1.04% | 95.09% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
E-Central Credit Union profile
Regulator records: NCUA credit union profile (charter 62323) · FFIEC NIC profile (RSSD 840493)
Frequently asked questions
Is E-Central Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, E-Central Credit Union's net worth ratio is 23.41%, above the 7% NCUA threshold for well capitalized.
Is E-Central Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. E-Central Credit Union is a federally insured credit union (NCUA charter 62323): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are E-Central Credit Union's key safety ratios?
For Q2 2026, E-Central Credit Union reports net worth 23.41%, delinquency 0.77%, ROA 0.79%, loan-to-share 84.55%.
What happens to my money if E-Central Credit Union fails?
For Q2 2026, E-Central Credit Union held $130.7M in shares and deposits for 8,757 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.