E-CENTRAL
Charter #62323 · PASADENA, CA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 23.08% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.91% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 85.90% sits at the 79th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 23rd percentile but its structural peers at the 70th — a 47-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | E-CENTRAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $174.54M | 41th pct | 62th pct |
| Members | 8,834 | 23th pct | 70th pct |
| Net worth ratio | 23.08% | 99th pct | 89th pct |
| Return on average assets | 0.65% | 46th pct | 33th pct |
| Net interest margin | 3.91% | 67th pct | 75th pct |
| Cost of funds | 1.01% | 39th pct | 28th pct |
| Loan-to-share | 85.42% | 80th pct | 49th pct |
| Delinquency 60+ days | 0.84% | 67th pct | 69th pct |
| Net charge-off ratio | 0.22% | 33th pct | 67th pct |
| Loan growth YoY | -4.38% | 8th pct | 7th pct |
| Share growth YoY | -0.83% | 6th pct | 21th pct |
| Efficiency ratio | 85.90% | 75th pct | 79th pct |
structural peer set hash: 712d29e731a44f1b36abd0ad3c5401cf… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.