E-central Credit Union
501(c)(14)
Only null% goes to programs Strong reserves Growing revenue
E-central Credit Union is a 501(c)(14) organization based in Pasadena, California, registered in 1961, with $10,617,693 in FY2024 revenue. CharityIndex grades it B.
990 S Fair Oaks Ave, Pasadena, CA, 91105 EIN 95-1442156 Since 1961
Revenue (FY2024)
$10.6M
▼ 9.9% vs prior year
Expenses (FY2024)
$8.7M
Net assets
$38.4M
Employees
—
CharityIndex rating
One independent A+ to F grade from four published criteria, each scored separately from IRS filings and combined by weight.
B
★★★★
Rated on 2 of 4 criteria — the rest aren't reported in this filing type.
Held down by its weakest criterion — a strong score on one criterion can't hide a weak one.
How the rating works →—Program efficiency40% of the ratingNo expense breakdown in filings
Measures how much of every dollar spent actually reaches programs, plus what it costs to raise $100 of donations. The worse of the two measures sets the letter (85%+ to programs is an A; under $15 to raise $100 is an A), averaged over the three most recent filings. Not scored for E-central Credit Union— this filing type doesn't report it, and the rating simply skips it (never counts it against the organization). See the exact thresholds →
AFinancial health25% of the rating53 mo reserves · +18% margin
Measures whether the organization is built to last: how many months its reserves would cover expenses (3+ months earns an A-range score, but hoarding 5+ years of budget is capped) and whether it runs a surplus or a deficit. For E-central Credit Union: 53 mo reserves · +18% margin earns a A on this criterion. See the exact thresholds →
—Governance25% of the ratingNot reported in this filing type
Checks how the organization is run, from its own Form 990: an independent board majority, a board of five or more, conflict-of-interest, whistleblower and document-retention policies, and independently audited financials. The share of disclosed checks that pass sets the letter. Not scored for E-central Credit Union— this filing type doesn't report it, and the rating simply skips it (never counts it against the organization). See the exact thresholds →
CTransparency10% of the rating2 of 5 disclosure signals
Counts five disclosure signals: a recent filing, a mission statement, program descriptions, a listed website, and the full expense breakdown. More disclosure, better letter. For E-central Credit Union: 2 of 5 disclosure signals earns a C on this criterion. See the exact thresholds →
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Contact & location
- Address
- 990 S Fair Oaks Ave, Pasadena, CA, 91105
- City
- Pasadena
- State
- California
- Category
- —
- Subcategory
- —
- Website
- …
Financial trends
Revenue held steady from $10.5M (FY2013) to $10.6M (FY2024) across 12 reported years.
Financial snapshot
Financial health & position (FY2024)
Liabilities $130.8MNet assets $38.4M
Operating margin
17.8%
Revenue exceeded expenses in the latest fiscal year.
Total assets
$169.2M
Total liabilities
$130.8M
Net assets
$38.4M
Financials by year
| Fiscal year | Revenue | Expenses | Net assets | Total assets | Form |
|---|---|---|---|---|---|
| 2024 | $10,617,693▼9.9% | $8,728,953▲8.8% | $38,403,341▲2.1% | $169,203,207▼1.9% | 990 |
| 2023 | $11,789,670▲31.7% | $8,021,497▲8.5% | $37,629,801▲11.1% | $172,452,151▼5.6% | 990 |
| 2022 | $8,949,930▲3.9% | $7,392,790▼7.1% | $33,861,630▲4.8% | $182,628,434▼5.9% | 990 |
| 2021 | $8,617,902▲1.9% | $7,961,420▼6.3% | $32,304,487▲2.1% | $193,980,763▲3.4% | 990 |
| 2020 | $8,455,835▼10.5% | $8,497,041▲1.0% | $31,648,005▼0.1% | $187,605,631▲11.5% | 990 |
| 2019 | $9,443,419▲7.0% | $8,413,414▲4.6% | $31,689,211▲3.4% | $168,256,764▲5.3% | 990 |
| 2018 | $8,821,797▲2.4% | $8,042,041▲7.7% | $30,659,206▲2.6% | $159,811,423▲1.2% | 990 |
| 2017 | $8,612,779▲6.1% | $7,463,811▲2.8% | $29,879,494▲4.0% | $157,947,609▼0.7% | 990 |
| 2016 | $8,114,893▼0.6% | $7,257,389▲3.6% | $28,730,425▲3.1% | $159,007,596▲0.5% | 990 |
| 2015 | $8,163,647▼11.2% | $7,004,506▼0.3% | $27,873,016▲4.3% | $158,147,603▼0.4% | 990 |
| 2014 | $9,197,430▼12.3% | $7,026,197▲6.3% | $26,714,788▲8.9% | $158,838,313▼1.5% | 990 |
| 2013 | $10,491,663 | $6,609,717▼1.0% | $24,533,252▲18.7% | $161,211,305▼0.8% | 990 |
| 2012 | — | $6,679,125▼8.7% | $20,666,252▲14.4% | $162,577,282▼2.5% | 990 |
| 2011 | — | $7,311,685▼50.2% | $18,063,568▲13.2% | $166,690,132▼2.3% | 990 |
| 2010 | — | $14,680,660 | $15,961,333 | $170,533,205 | 990 |
Original Form 990 PDFs (the Form column) are served by ProPublica Nonprofit Explorer, as filed with the IRS. Create a free account to download the CSV report.
Frequently asked questions
- Is E-central Credit Union a legitimate nonprofit?
- Yes. E-central Credit Union is a 501(c)(14) organization registered with the U.S. Internal Revenue Service under EIN 95-1442156, based in Pasadena, California.
- What is E-central Credit Union's EIN?
- E-central Credit Union's Employer Identification Number (EIN) is 95-1442156.
- How much revenue does E-central Credit Union report?
- E-central Credit Union reported $10,617,693 in total revenue on its fiscal year 2024 IRS Form 990 filing.
- What financial grade does E-central Credit Union have?
- CharityIndex grades E-central Credit Union B, based on financial health (reserves and operating margin).
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Data for E-central Credit Union (EIN 95-1442156) comes from the IRS Business Master File and e-filed Form 990 returns, via CharityIndex. Figures reflect what the organization reported to the IRS for each fiscal year.