E-Central Pasadena, CA · Charter 62323 · Peer group: credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=62)
NCUA · 1 branch
Q2 2026
$173.5M Assets
$110.5M Loans
$130.7M Shares
$40.6M Net Worth
Executive Summary Strongest standing: tier 1 capital ratio outperforms 90% of credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 6 of 62). Widest gap: nonperforming loans / loans trails 65% of credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 41 of 62). Overall: at or above the peer median on 4 of 7 directional measures. Return on Assets
0.72%
Rank 18 of 62
Net Interest Margin
4.02%
Rank 12 of 62
Efficiency Ratio
85.34%
Rank 36 of 62
Equity / Assets
23.42%
Rank 6 of 62
Metric Your Credit Union Peer 25th Peer Median Peer 75th Standing Rank Peer Position Earnings Return on Assets 0.72% 0.01% 0.47% 0.92% Beats 71% 18 / 62 Return on Equity 3.09% 0.18% 3.35% 5.66% Beats 44% 35 / 62 Net Interest Margin 4.02% 2.88% 3.31% 3.93% Beats 81% 12 / 62 Efficiency Ratio 85.34% 71.17% 84.14% 92.47% Beats 44% 36 / 62 Asset Quality Nonperforming Loans / Loans 0.77% 0.22% 0.52% 0.99% Beats 35% 41 / 62 Net Charge-Offs / Loans n/a Not reported for this institution Capital Tier 1 Capital Ratio 23.41% 9.30% 12.20% 16.33% Beats 90% 6 / 62 Total Risk-Based Capital Ratio n/a Not reported for this institution Equity / Assets 23.42% 9.30% 12.20% 16.33% Beats 90% 6 / 62 Liquidity & Funding Loans / Deposits 84.55% 48.69% 57.00% 84.55% 74th pctl 16 / 62 Loans / Assets 63.70% 42.93% 53.05% 69.62% 69th pctl 19 / 62 Brokered Deposits / Deposits n/a Not reported for this institution
Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Peer statistics computed across credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area; percentile is the share of peers with a lower reported value. Each ratio is ranked only among the institutions that reported it, so the denominator in the Rank column varies by measure. Income-statement figures on this page are year-to-date as filed, annualized, because the peer percentiles are computed on that basis. Performance Trends defaults to the discrete quarter, so the same measure can read differently there in any quarter but the first, where year-to-date and the quarter cover the same period. Peer comparisons use ratios standardized identically across all institutions and can differ from as-filed figures. Subchapter S banks are restated to an after-tax equivalent at 21.50%, the median effective tax rate of the 2,758 C-corporation banks filing for this quarter. The rate is recomputed each quarter, and C-corporation figures are unchanged. Peer groups below the disclosure floor are suppressed.
CallReports · callreports.ai · Peer Comparison Generated 2026-10-11