# E-CENTRAL
PASADENA, CA · NCUA charter 62323 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/e-central-62323

Who the members are: state charter, organized 1943, low-income designated. 8,834 members of 100,000 potential (8.8% of the field); checking penetration 62% (share draft accounts per 100 members); loans per 100 members 22.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $174.5M |
| Members | 8,834 (-5.2% YoY) |
| Full-time staff | 30 |
| Net worth | $40.3M |
| Net worth ratio | 23.1% (p98 of band) |
| ROA (annualized) | 0.65% (p47 of band) |
| Total delinquency | 0.84% (p65 of band) |
| Net charge-offs (annualized) | 0.22% (p35 of band) |
| Loans / shares | 85% (p82 of band) |
| Cash / assets | 29.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.91% (p64 of band) |
| Operating expense / assets | 4.27% (p71 of band) |
| Vehicles % of loans | 4% (p3 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p33 of band) |
| Vehicle delinquency | 3.66% (p97 of band) |
| Vehicle NCO | 1.38% (p83 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 31% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 171% |
| Core shares % of member funds | 60% |
| Certificates % of member funds | 28% |
| Average share balance | $7,061 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $0 |
| Loans outstanding per 100 members | 22% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $58,703 |
| Loans granted, annualized | $8.8M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $0 outstanding purchased (0.0% of net worth), $10.9M sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 0.6% year over year.

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 0 |  | delinquency 2x band |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | members leaving |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | members leaving |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | delinquency rising |  |
| 2018-06 | 0 |  | delinquency rising |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | delinquency rising |  |
| 2019-03 | 0 |  | delinquency rising |
| 2019-06 | 2 | delinquency rising, members leaving |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 1 |  | delinquency rising |
| 2020-03 | 3 | net worth falling, delinquency rising |  |
| 2020-06 | 3 | margin squeeze | delinquency rising |
| 2020-09 | 5 | delinquency 2x band, delinquency rising |  |
| 2020-12 | 6 | losing money |  |
| 2021-03 | 5 |  | losing money |
| 2021-06 | 3 |  | net worth falling, margin squeeze |
| 2021-09 | 2 |  | delinquency rising |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 | loan book shrinking | delinquency 2x band |
| 2022-06 | 1 |  | loan book shrinking |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | assets shrinking |  |
| 2023-03 | 3 | loans>95% of shares |  |
| 2023-06 | 4 | repo signal |  |
| 2023-09 | 3 |  | repo signal |
| 2023-12 | 3 |  |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 3 | delinquency rising | assets shrinking |
| 2024-12 | 4 | delinquency 2x band |  |
| 2025-03 | 4 |  |  |
| 2025-06 | 4 | net worth falling, loan book shrinking | loans>95% of shares, delinquency 2x band |
| 2025-09 | 2 |  | delinquency rising, net worth falling |
| 2025-12 | 2 |  |  |
| 2026-03 | 1 |  | loan book shrinking |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-01-23 [E-Central Credit Union Pairs Local Decisions and Strong Capital to Support Small Businesses - Pasadena Now](https://news.google.com/rss/articles/CBMiyAFBVV95cUxPU1NhN0NkWXZQVW1fMUZlUUhoTHlPalRMSlVTUV93TnQzU3h6VjUtLXVjRmhNa0JNZ1FsdkhVbW9BNWJZZC1zYUJzNzhVY1VmZ19SbXNTdFNObEVRUW9HYjNSUFZoUHpSYzBDcG50U1RqYzB4a0l4VDk5ZnQ2TUxzV1VrZ09uWkhUcy1Qb01jZVJRWHFnRU0yVldEdHFSSUtPaFdnNWlxZ050TEF1S1VwWko4LVFuTWZScWp3dm96UjQ5M3dSTTh2VQ?oc=5) · Pasadena Now
- 2026-06-18 [Eaton Fire Survivors Credit E-Central With Providing Financial Assistance During Rebuilding Efforts - Pasadena Now](https://news.google.com/rss/articles/CBMixwFBVV95cUxPdGp5TXFOamxNVmpjMU82dTU3OHlBeEZxc2pxOUhZNFlDOVZCVWZ0aGs5MzBGaFF6dTZ3U0g0bnljZTFiR1ZzR0MzRXBPRDNzNVQ4SGVWQVJfdXpIV1hoeHVMcm9WUWJ0MDcyNHlBcVVZSDR1aEVNUThKUG5VYXZMLVlhZjNTclZXdkRsb3RnckRrWm1yZ3k0R0s2TktBY2lRVVhVVlJTbEZ1QU84eTlDeHVLVzdaSmtSMERzeHdYeE1Ka1A4Nl9Z?oc=5) · Pasadena Now
- 2018-09-20 [Community Women Vital Voices and E-Central Credit Union Celebrate Gerald Freeny - Los Angeles Sentinel](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPeDZwSTN3aVhfQ0RhVm1adnpWV3MwUmR4MUZON0h3U2FnR195NjV6aUtULVFSckFsQnhJWGFfZC1vR0NsM2xUcVU4aGpMUFUwRmRsb3U5MmoyMG96NExLUXBUT1R1MzVmMWxxOUFmcUlac09OelBnOFBIY3ZQLS1xdEs5R1BfdlRKMi1oRGNUYjFFSmRBNjhwRHlXWlo5VnBfSkZsbGVBRUNvVlU?oc=5) · Los Angeles Sentinel
- 2025-12-18 [California - Newsweek Rankings](https://news.google.com/rss/articles/CBMikgFBVV95cUxOTGxlNEF4aW9OOVBlYVYxTjRYMDRvUHFnM3RSZjR0MWpGYi1MbXZHdU5RREhWalRxUENSYlZyQUQ0M1haYThOaWRZSHl5LWVselpYOUpBWmNnOHdaWWJxTXdiczhfc0hOcjFKZ1A1amtUT2k5UU0wRWd6Wk41aEJGOF9MOFBJZE5BeU51XzVyck1PUQ?oc=5) · Newsweek Rankings
- 2022-08-20 [OBITUARY: Ken Kasamatsu, 75; Founder of Pacific Commerce Bank - Rafu Shimpo](https://news.google.com/rss/articles/CBMijAFBVV95cUxOaEdhSHFidzFPMVFvUUhvWS1MRGNPM3hlemU0Y3ZsZVNpS2tiVG50X0lscS1hemVVUlVvR1pWZUNBR3FyQTZReW1iOUs3RTFPbHkwcTBITENXWHZwRTZraTI5YzFSNTFyUnJrcUNQcFNXSEFKZkljRld2TkFQSHRiU3RybHVJSE0zVnlfWQ?oc=5) · Rafu Shimpo
- 2025-01-02 [One dead, one wounded in shooting outside Killeen hotel - The Killeen Daily Herald](https://news.google.com/rss/articles/CBMi0AFBVV95cUxQUmJsdjVOamFUdHYzc21SajV6VEVFaEdEZ2dxMW9CaWo5VkxGSFNMelVrTE1jSEhQYlhRZTh3UXdCY18ySzFRY0ZYMmpBampsbDNGR3dnXzJlVHBib1A0cFhlZDRzRDVmRlo2TWo0VmlZT05MWnUxUWFKZHo0TmxrdE9WbklmX0NncVFRUjgtN3ZfTDduSkNPVHFhd2F1R19nQWJnRU9Rb1Q1T3BQa1VWTGZ4T2RGREpsSmZxOU5qSGtCQVB2UVlOTi1vXzlNbVk1?oc=5) · The Killeen Daily Herald
- 2022-06-01 [Campaign Finance Report for Pasadena City Council Races, 2022 - ColoradoBoulevard.net](https://news.google.com/rss/articles/CBMifkFVX3lxTFBWUEF1M3hvV3dVUHFsZ0FqNjR0Ym16VzdxczlCQy1YLUhPT2NCTzBBVm1KWm1nM1ZuSjlPZkhXRDZlMExZdnJKRnRFSG9RdjlFVEdyb18zUktRRTg5WDNWMFBTckh1cGRSMURQWEFMU29RajRuRTNvVHBEQ05OUQ?oc=5) · ColoradoBoulevard.net
- 2019-10-07 [New Orlando businesses for week of Sept. 22 - Orlando Sentinel](https://news.google.com/rss/articles/CBMijwFBVV95cUxNUExIQU9mQkU2RjBteThnZkExb3E3aHd4dE1BckQxOGhfeDV0d3V1R2dmX3M2eWxXUFZMMVdyeFVKYjFlOGZMZWtYZTQ3aGJYdEFtOGIxR3VQWXNkVVZJQVVQSlQ5bDFndmZleU5OVC1TeXVaYVY2SFVKUmczb2FxMW1mRW44MjVINV9JYTFvRQ?oc=5) · Orlando Sentinel

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=62323 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/51.json (key "62323", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=62323
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide