Central State Credit Union
Stockton, CA·Charter 60363·cu:60363·Credit union RBC / net worth
- #112 of 239Total assets in California
- 14Kmembers
- #4 of 1,817Lowest cost of deposits in the U.S.
- Top 1%Cost of deposits vs. peers
- Top 1%Loan growth in the U.S.
Performance over time
7 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
Credit union · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Central State Credit Union
12 of 24 FORFI signals stand out against 770 similar credit unions, based on NCUA data for the quarter.
Commercial lending growing with steady creditStrength: Lending FORFI signal 2nd quarter+1466.7%peers +2.6%+1464.1 pp
Central State Credit Union's member business loans grew faster than at similar credit unions, without a material rise in problem loans or net charge-offs.
| This institution | Peer median | Difference |
|---|---|---|
| Member business loans, 12-month growth | ||
| +1466.7% | +2.6% | +1464.1 pp |
With internal data, FORFI would look at: Which new commercial borrowers do not yet hold operating deposits or treasury services with the institution.
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 770 credit unions with $100 million to $300 million in assets that filed NCUA data for the same quarter. Central State Credit Union itself is left out of every peer median and percentile. How signals work
Lending outpacing share growthWorth a look: Liquidity FORFI signal 2nd quarter+42.1%peers +2.6%+39.5 pp
Central State Credit Union's loans grew faster than at similar credit unions while its shares and deposits grew more slowly, so each new loan leans harder on other funding.
| This institution | Peer median | Difference |
|---|---|---|
| Loans, 12-month growth | ||
| +42.1% | +2.6% | +39.5 pp |
| Shares and deposits, 12-month growth | ||
| -3.8% | +3.5% | -7.3 pp |
With internal data, FORFI would look at: Which borrowers keep their deposits elsewhere, and how much funding existing relationships could bring.
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 770 credit unions with $100 million to $300 million in assets that filed NCUA data for the same quarter. Central State Credit Union itself is left out of every peer median and percentile. How signals work
Borrowed funding rising while the peer median holds steadyWorth a look: Funding 2nd quarter11.6%peers 0.0%+11.6 pp
Central State Credit Union's borrowings as a share of assets rose 11.6 percentage points over the past year to 11.6%. Among 770 similar credit unions, the median was essentially unchanged.
| This institution | Peer median | Difference |
|---|---|---|
| Borrowings as a share of assets | ||
| 11.6% | 0.0% | +11.6 pp |
| 12-month change | ||
| +11.6 pp | 0.0 pp | +11.6 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 770 credit unions with $100 million to $300 million in assets that filed NCUA data for the same quarter. Central State Credit Union itself is left out of every peer median and percentile. How signals work
Net interest margin widening faster than peersStrength: Earnings 2nd quarter3.21%peers 3.78%-56 bps
Central State Credit Union's net interest margin on average assets rose 50 bps over the past year to 3.21%. Among 770 similar credit unions, the median rose 10 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Net interest margin on average assets | ||
| 3.21% | 3.78% | -56 bps |
| 12-month change | ||
| +50 bps | +10 bps | +40 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 770 credit unions with $100 million to $300 million in assets that filed NCUA data for the same quarter. Central State Credit Union itself is left out of every peer median and percentile. How signals work
8 more observations
- Member business lending growing faster than peersLending
- Share and deposit costs among the lowest of similar credit unionsFunding
- Loans growing faster than peersLending
- Lending absorbing more of the share base as cash fallsLiquidity
- Reliance on share certificates falling while the peer median risesFunding
- Auto lending shrinking faster than peersLending
- Share and deposit costs falling faster than peersFunding
- Shares and deposits shrinking while the peer median growsFunding
Key facts
- Central State Credit Union is a state-chartered credit union headquartered in Stockton, California. It reported $258 million in total assets for the quarter ended June 30, 2026.
- Shares and deposits totaled $211 million, down 3.8% from a year earlier, and loans totaled $86.2 million, up 42.1%.
- Its net interest margin on average assets was 3.21% and its annualized return on assets was 0.59% for the quarter.
- Its cost of all shares and deposits was 0.14%, compared with a median of 1.30% among 770 similar credit unions with $100 million to $300 million in assets.
- It served 14,017 members, down 5.9% from a year earlier.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Central State Credit Union's own data, FORFI would look at: Which new commercial borrowers do not yet hold operating deposits or treasury services with the institution.
Analysis workspaces
Sources and identifiers
- Institution
- Central State Credit Union · Credit union
- NCUA charter
- 60363
- Reporting period
- Peer group
- 770 credit unions with $100 million to $300 million in assets that filed NCUA data for the same quarter. Central State Credit Union itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
NCUA · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation |
|---|---|
| $380.16K | |
| $2.42M | |
| $363.22K | |
| $2.06M | |
| $653.16K | |
| $2.4M | |
| -$73.2K | |
| -$73.2K | |
| 0.59% | |
| 3.21% | |
| 88.67% |
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-16T13:43:41.229347+00:00. Separate reference provenance is included in the export.