CENTRAL STATE Credit Union Profile

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CENTRAL STATE

Charter #60363 | NCUA Region 3 | FISCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (209) 444-5300

Fax: (209) 444-5372

Founding Date: N/A

Website: http://www.centralstatecu.org

Personnel & Operations

President: Frontz, Linda

Manager: Kramer, Paul

FT Employees: 39

PT Employees: 7

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 4

Hours: Monday to Friday 09:00am to 05:00pm

Credit Union Profile Summary

CENTRAL STATE is a FISCU Credit Union. With a total of 14,898 members [1], this institution manages approximately $233,823,024 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 9.64% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -17.33% [1].

Financial Snapshot

Total Assets [1]
$233,823,024

Total economic resources.

Total Loans [1]
$60,662,171

Total value of outstanding loans.

Total Deposits [1]
$219,745,916

Total funds deposited by members.

Members [1]
14,898

Number of active members.

Performance Ratios

Net Worth Ratio [1]
9.64%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
0.29%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
27.61%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↓ -0.85%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↓ -17.33%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↓ -4.19%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

919 N Center St

Stockton, CA, 95202
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 4 branches reported by CENTRAL STATE (Charter #60363).

Main Office

Main Branch Main Office

Type: Corporate Office

919 N Center St

Stockton, CA 95202

Phone: (209) 444-5300

Services: Member Services, ATM, Drive-Thru

Open in Directions

Additional Branches

Lodi

Lodi's Branch

Type: Branch Office

363 S Lower Sacramento Rd

Lodi, CA 95242-3323

Phone: (209) 444-3401

Services: Member Services, ATM

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San Andreas

San Andreas Branch

Type: Branch Office

462 Saint Charles St

San Andreas, CA 95249-9664

Phone: (209) 751-2201

Services: Member Services, ATM

Open in Directions

Stockton

El Dorado's Branch

Type: Branch Office

5242 N El Dorado St

Stockton, CA 95207-5845

Phone: (209) 444-4801

Services: Member Services, ATM, Drive-Thru

Open in Directions