PASADENA, CA
4 risk indicators measuring financial stability and operational resilience
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Sign In — Free (10 views/day)E-CENTRAL CREDIT UNION, founded in 1943, is a mid-sized nonprofit that reported $11.8M in total revenue in fiscal year 2023. Revenue surged 32% from the prior year, signaling strong growth momentum. The organization ran a surplus of $3.8M, a strong 32% operating margin.
E-CENTRAL CREDIT UNION IS A COOPERATIVE, ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVING AMONG ITS MEMBERS, CREATING A SOURCE OF CREDIT FOR THEM AT RATES OF INTEREST SET BY THE BOARD OF DIRECTORS, AND PROVIDING AN OPPORTUNITY FOR THEM TO USE AND CONTROL THEIR OWN MONEY ON A DEMOCRATIC BASIS IN ORDER TO IMPROVE THEIR ECONOMIC AND SOCIAL CONDITIONS. AS A COOPERATIVE, E-CENTRAL CREDIT UNION CONDUCTS ITS BUSINESS FOR THE MUTUAL BENEFIT AND GENERAL WELFARE OF ITS MEMBERS WITH THE EARNING, SAVINGS, BENEFITS, OR SERVICES OF THE CREDIT UNION BEING DISTRIBUTED TO ITS MEMBERS AS PATRONS.
OUR REAL ESTATE PROGRAM AND MEMBER BUSINESS LENDING (MBL) PROGRAMS CONTINUE TO PROVIDE VALUE TO OUR MEMBERSHIP. WE FOCUS ON PROVIDING PERSONALIZED SERVICES COUPLED WITH COMPETITIVE PRICING. THROUGH...
OUR REAL ESTATE PROGRAM AND MEMBER BUSINESS LENDING (MBL) PROGRAMS CONTINUE TO PROVIDE VALUE TO OUR MEMBERSHIP. WE FOCUS ON PROVIDING PERSONALIZED SERVICES COUPLED WITH COMPETITIVE PRICING. THROUGH OUR TRUSTED BRAND, MEMBERS CAN TAKE SOLACE THAT THEY ARE WORKING WITH A REPUTABLE LENDER.
OFFERING A VAST ARRAY OF DYNAMIC ONLINE SERVICES IS CENTRAL TO E-CENTRAL'S STRATEGIC PLAN TO ALLOW MEMBERS TO ACCESS THEIR ACCOUNT ANYTIME, ANYWHERE. THIS IS AN IMPORTANT INITIATIVE TO REMAIN...
OFFERING A VAST ARRAY OF DYNAMIC ONLINE SERVICES IS CENTRAL TO E-CENTRAL'S STRATEGIC PLAN TO ALLOW MEMBERS TO ACCESS THEIR ACCOUNT ANYTIME, ANYWHERE. THIS IS AN IMPORTANT INITIATIVE TO REMAIN COMPETITIVE, IMPROVE OPERATIONAL EFFICIENCIES, AND TO RETAIN MEMBERS. OUR SUITE OF FREE E-SERVICES INCLUDES ONLINE BANKING, MOBILE BANKING, BILL PAY, PERSONAL FINANCIAL MANAGEMENT TOOLS, ACCOUNT-TO-ACCOUNT TRANSFERS, REMOTE CHECK DEPOSIT AND A NUMBER OF OTHER SERVICES.
E-CENTRAL OFFERS A SUITE OF AFFORDABLE CHECKING ACCOUNTS THAT INCLUDE A NUMBER OF FREE SERVICES, SUCH AS DEBIT CARDS AND A SUITE OF ONLINE SERVICES. THE CREDIT UNION CONTINUES TO SEE CHECKING ACCOUNT...
E-CENTRAL OFFERS A SUITE OF AFFORDABLE CHECKING ACCOUNTS THAT INCLUDE A NUMBER OF FREE SERVICES, SUCH AS DEBIT CARDS AND A SUITE OF ONLINE SERVICES. THE CREDIT UNION CONTINUES TO SEE CHECKING ACCOUNT PENETRATION INCREASE, CHECKING OVERALL BALANCES INCREASE AND DEBIT CARD TRANSACTIONS INCREASE EACH YEAR. MEMBERS VALUE OUR LOW-COST SOLUTION AS THEY LOOK TO SAVE MONEY EVERY DAY.
Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency
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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)
Sign In — Free (10 views/day)| 2023 | 2022 | Change | |
|---|---|---|---|
| Revenue | $11,789,670 | $8,949,930 | +0.3% |
| Expenses | $8,021,497 | $7,392,790 | +0.1% |
| Net Income | $3,768,173 | $1,557,140 | +1.4% |
Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics
Financial Distress Indicator
Liquidity & Cash Position
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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics
Sign In| Name | Title | Hours/Week | Role | Reportable Comp | Other Comp | Total |
|---|---|---|---|---|---|---|
| MARK GARMUS | BOARD CHAIRPERSON | 5.00 |
Director
|
$0 | $0 | $0 |
| DOMINICK EDWARDS | BOARD VICE CHAIRPERSON | 2.00 |
Director
|
$0 | $0 | $0 |
| DENNIS MAGALDI | SECRETARY/TREASURER | 2.00 |
Director
|
$2,400 | $0 | $2,400 |
| STEPHEN HENSON | DIRECTOR | 2.00 |
Director
|
$0 | $0 | $0 |
| GLENDA GILES-LUICK | DIRECTOR | 2.00 |
Director
|
$0 | $0 | $0 |
| RICHARD HONORE | DIRECTOR | 2.00 |
Director
|
$0 | $0 | $0 |
| TREVOR KALE | DIRECTOR | 2.00 |
Director
|
$0 | $0 | $0 |
| JON OLIVER | SUPV CMTE CHAIR | 3.00 |
Director
|
$0 | $0 | $0 |
| CORBET WILCOX | SUPV CMTE MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| JAMES GREENBAUM | SUPV CMTE MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| MICHAEL THEODORE | PRESIDENT/CEO | 40.00 |
Officer
|
$454,052 | $48,489 | $502,541 |
| LOH JEN SY | SVP/CCO | 40.00 |
Officer
|
$177,546 | $41,026 | $218,572 |
| SILVIO JORGE | VP/CFO | 40.00 |
Officer
|
$149,993 | $32,620 | $182,613 |
| SUSAN BROWN | EXEC. ASST. | 40.00 |
Highest
|
$142,521 | $30,957 | $173,478 |
| EVAN HITCHCOCK | VP OPS | 40.00 |
Highest
|
$139,374 | $31,742 | $171,116 |
| JOSE DAVILA | VP OF IT | 40.00 |
Highest
|
$124,106 | $34,973 | $159,079 |
| JENNIFER GIN | VP OF CL | 40.00 |
Highest
|
$119,907 | $30,765 | $150,672 |
| Year | Revenue | Expenses | Assets | Net Income |
|---|---|---|---|---|
| 2024 | No data | No data | No data | No data |
| 2023 | $11,789,670 | $8,021,497 | $172,452,151 | $3,768,173 |
| 2022 | $8,949,930 | $7,392,790 | $182,628,434 | $1,557,140 |
| 2021 | $8,617,902 | $7,961,420 | $193,980,763 | $656,482 |
| 2020 | $8,455,835 | $8,497,041 | $187,605,631 | $-41,206 |
| 2019 | $9,443,419 | $8,413,414 | $168,256,764 | $1,030,005 |
| 2018 | $8,821,797 | $8,042,041 | $159,811,423 | $779,756 |
Compare E-CENTRAL CREDIT UNION with other nonprofits in California and across the country.