Liabilities / Assets
8th percentile
Higher debt load relative to assets than 8% of similar nonprofits.
E-Central Credit Union
EIN 95-1442156 • 501(c)14 • Pasadena, CA
Profile
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.
Siviq Scores
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
0.77x
Liabilities / Revenue
18th percentile
Higher debt load relative to revenue than 18% of similar nonprofits.
Net Margin
72nd percentile
Higher net margin than 72% of similar nonprofits.
Top Officer Pay
85th percentile
Higher top officer pay than 85% of similar nonprofits.
Top officer pay equals 6.5% of source-year revenue.
Asset Growth
21st percentile
Faster asset growth than 21% of similar nonprofits.
Revenue Growth
2nd percentile
Faster revenue growth than 2% of similar nonprofits.
Balance Sheet
Assets
Down$169,203,207
Down $3,248,944 (-1.9%) from 2023
Liabilities
Down$130,799,866
Down $4,022,484 (-3.0%) from 2023
Net Assets
Up$38,403,341
Up $773,540 (+2.1%) from 2023
Revenue
Down$10,617,693
Down $1,171,977 (-9.9%) from 2023
Expenses
Up$8,728,953
Up $707,456 (+8.8%) from 2023
Net Income
Down$1,888,740
Down $1,879,433 (-50%) from 2023
Trend Graphs
Filings
Most recent year
2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.
- Assets
- $169,203,207
- Liabilities
- $130,799,866
- Net assets
- $38,403,341
- Revenue
- $10,617,693
- Expenses
- $8,728,953
- Net income
- $1,888,740
Latest Filing Detail
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2024 to Dec 31, 2024
- Signed
- Nov 12, 2025
- Return Version
- 2024v5.2
- Gross Receipts
- $10,617,693
Mission and Program Overview
Mission
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.
A cooperative, organized for the purpose of promoting thrift and savings among its members.
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Investments Program Related | $147,358,209 | $131,781,227 | ▼ $15,576,982 |
| Rtn Earn Endowment Incm Other Fnds | $37,629,801 | $38,403,341 | ▲ $773,540 |
| Savings and Temporary Cash Investments | $16,811,121 | $29,374,332 | ▲ $12,563,211 |
| Land, Buildings, and Equipment, Net | $4,198,085 | $4,086,111 | ▼ $111,974 |
| Receivables From Officers Etc | $1,914,966 | $1,837,905 | ▼ $77,061 |
| Cash and Non-Interest-Bearing Accounts | $208,682 | $307,277 | ▲ $98,595 |
| Prepaid Expenses and Deferred Charges | $249,831 | $224,997 | ▼ $24,834 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $172,452,151 | $169,203,207 | ▼ $3,248,944 |
| Other Assets Total | $1,711,257 | $1,591,358 | ▼ $119,899 |
| Liabilities | |||
| Other Liabilities | $132,457,413 | $128,156,892 | ▼ $4,300,521 |
| Accounts Payable and Accrued Expenses | $2,364,937 | $2,642,974 | ▲ $278,037 |
| Total Liabilities | $134,822,350 | $130,799,866 | ▼ $4,022,484 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $37,629,801 | $38,403,341 | ▲ $773,540 |
| Total Liabilities and Net Assets / Fund Balance | $172,452,151 | $169,203,207 | ▼ $3,248,944 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Land | $3,285,000 | - | $3,285,000 |
| Buildings | $638,876 | $1,792,882 | $2,431,758 |
| Equipment | $111,204 | $1,146,829 | $1,258,033 |
| Leasehold Improvements | $51,031 | $613,849 | $664,880 |
| Investment Program Related Org | $2,000,000 | - | - |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Michael Theodore | President/CEO | FT | $448,073 | $240,259 | $688,332 |
| Loh Jen Sy | SVP/CCO | FT | $153,993 | $86,092 | $240,085 |
| Silvio Jorge | VP/CFO | FT | $115,003 | $82,874 | $197,877 |
| Evan Hitchcock | VP Ops | FT | $116,800 | $80,763 | $197,563 |
| Jose Davila | VP of It | FT | $105,130 | $69,225 | $174,355 |
| Susan Brown | Exec. Asst. | FT | $127,583 | $31,990 | $159,573 |
| Jennifer Gin | VP of Cl | FT | $106,950 | $50,619 | $157,569 |
| Dennis Magaldi | Secretary/treasurer | - | $2,400 | - | $2,400 |
Board Members and Trustees
| Name | Title |
|---|---|
| Mark Garmus | Board Chairperson |
| Jon Oliver | Supv Cmte Chair |
| Dominick Edwards | Board Vice Chairperson |
| Glenda Giles-luick | Director |
| Richard Honore | Director |
| Stephen Henson | Director |
| Trevor Kale | Director |
| Corbet Wilcox | Supv Cmte Member |
| James Greenbaum | Supv Cmte Member |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $8,316,457
- Investment Income
- $1,512,203
- Other Revenue
- $789,033
- Change in Net Assets
- $1,888,740
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $4,942,475 |
| Salaries, Compensation, and Employee Benefits | $3,786,478 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
Functional Expense Allocation
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $1,542,310 |
| Other Salaries and Wages | - | - | - | $1,414,204 |
| Office Expenses | - | - | - | $1,087,424 |
| Information Technology | - | - | - | $951,368 |
| Interest | - | - | - | $943,670 |
| Occupancy | - | - | - | $391,315 |
| Other Employee Benefits | - | - | - | $381,025 |
| Travel | - | - | - | $317,381 |
| Pension Plan Contributions | - | - | - | $232,262 |
| Payroll Taxes | - | - | - | $216,677 |
| Advertising | - | - | - | $149,943 |
| Fees for Services Other | - | - | - | $149,052 |
| Insurance | - | - | - | $147,839 |
| Depreciation Depletion | - | - | - | $137,487 |
| Fees for Services Accounting | - | - | - | $81,000 |
| Fees for Services Legal | - | - | - | $79,060 |
| Other Expenses | - | - | - | $27,600 |
| Total Functional Expenses | $0 | $0 | $0 | $8,728,953 |
Fundraising, Events, and Gaming
- Fundraising activities
- No
- Gaming activities
- No
- Professional fundraiser used
- No
Fundraising and Gaming Totals
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
Political and Lobbying Activity
- Political campaign activity
- No
- Subject to proxy tax
- No
Insider Transactions and Loans
Loans and Receivables
| Line Item | Beginning | End | Change |
|---|---|---|---|
| Receivables from Officers, Directors, Trustees, and Key Employees | $1,914,966 | $1,837,905 | ▼ $77,061 |
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| Shares and Deposits | $128,156,892 |
Governance and Compliance
Governance Checklist
- Compiled or reviewed by an accountant
- No
- Annual disclosure for covered persons
- Yes
- Audit committee
- Yes
- Backup withholding compliance
- Yes
- Business relationship with 35% controlled entity
- No
- Business relationship with family members
- No
- Business relationship with organization members
- No
- Material changes to governing documents
- No
- Compensation from other sources disclosed
- No
- CEO compensation reviewed
- Yes
- Other officer compensation reviewed
- Yes
- Conflict-of-interest policy
- Yes
- Audited financial statements prepared
- No
- Key decisions subject to board approval
- Yes
- Management duties delegated
- No
Governance Explanations
Form 990, Part VI, Section A, Line 6
“E-central credit union is a cooperative financial institution that is owned and controlled by its members, and operated for the purpose of promoting thrift and savings to its members. E-central credit union does not have stockholders.”
Form 990, Part VI, Section A, Line 7A
“The governing board of e-central credit union is comprised of volunteer members who are directly elected by its members. Each member of the governing board serves for a period as prescribed by our by-laws.”
Form 990, Part VI, Section A, Line 7B
“At the end of each term of the board members, elections are held and board members are voted by the members of the credit union pursuant to its by-laws. Member votes are also required to ratify decisions dealing with reorganizations as in the case of merger or dissolution.”
Form 990, Part VI, Section B, Line 11B
“Each board member shall receive a completed draft of the form 990 for review prior to filing each year.”
Form 990, Part VI, Section B, Line 12C
“E-central cu regularly monitors and enforces compliance with the conflict of interest policy. On an annual basis the conflict of interest policy is reviewed and a copy is provided to employees. All employees are required to read and sign the receipt of the conflict of interest policy. As part of that review, all employees are to report to their managers of known family members that have accounts with the cu. Employees are restricted from having any access to their or a family members account. This is tested annually during the compliance portion of our audit.”
Form 990, Part VI, Section B, Line 15
“The process of determining compensation for the ceo is reviewed and completed by the board, and the process of determining compensation for top management officials and key employees is reviewed by the ceo. The cuna salary survey is used for comparability for industry standards and reasonableness.”
Form 990, Part VI, Section C, Line 19
“Monthly financial statements are posted in the building lobby and also made available upon request.”
Filing and Contact Details
Filer
- Filer Name
- E-central Credit Union
- EIN
- 95-1442156
- Phone
- 6267996000
- Address
- 990 SOUTH FAIR OAKS AVENUE, PASADENA, CA 91105-2626
Signing Officer
- Name
- Mike Theodore
- Title
- President/CEO
- Phone
- 6267996000
- Signed
- 2025-11-12
- Discuss with paid preparer
- Yes
Organization Details
- Principal Officer
- Mike Theodore
- Formed
- 1943
- Legal Domicile
- CA
- Voting Board Members
- 7
- Independent Board Members
- 7
- Employees
- 43
- Volunteers
- 10
Preparer
- Firm
- Turner Warren Hwang & Conrad Acctcy
- Address
- 100 NORTH FIRST ST STE 202, BURBANK, CA 91502
- Preparer
- Natalie Hull CPA
- Phone
- 8189549700
Supplemental Narrative
Additional Explanations
FORM 990, PART XI, LINE 9:
“Py undivided earnings account reclassification -1,115,200.”
FORM 990, PART XII, LINE 2C:
“The organization has not changed either its selection process or oversight process during the tax year.”
Financial Statement Notes
PART X, LINE 2:
“Fasb asc 740-10-65, income taxes, provides guidance for how uncertain tax positions should be recognized, measured, disclosed and presented in the financial statements. This requires the evaluation of tax positions taken or expected to be taken in the course of preparing the credit union's tax returns to determine whether the tax positions are "more likely than not" of being sustained "when challenged or "when examined" by the applicable tax authority. Tax positions deemed to not meet the more-likely-than-not threshold should be recorded as a tax expense and liability in the current year. For the years ended march 31, 2025 and 2024, management has determined that the credit union has no material uncertain tax positions, and accordingly, the credit union has not recorded a liability for the payment of interest or penalties. The credit union is subject to and pays all state and city taxes on goods and services purchased by the credit union.”
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This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.
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| IRS990/Desc | 0 | 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. |
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| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 11 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 12 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 13 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 14 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 15 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 16 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | BOARD CHAIRPERSON |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | BOARD VICE CHAIRPERSON |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | SECRETARY/TREASURER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | SUPV CMTE CHAIR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | SUPV CMTE MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | SUPV CMTE MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | PRESIDENT/CEO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 11 | SVP/CCO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 12 | VP/CFO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 13 | VP OPS |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 14 | EXEC. ASST. |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 15 | VP OF IT |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 16 | VP OF CL |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 1 |
| IRS990/Form990TFiledInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1943 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd | 0 | X |
| IRS990/FSAuditedInd | 0 | 1 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 7 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossReceiptsAmt | 0 | 10617693 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 1 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 0 |
| IRS990/IndependentVotingMemberCnt | 0 | 7 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 7 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartIIIInd | 0 | X |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 951368 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 147839 |
| IRS990/InterestGrp/TotalAmt | 0 | 943670 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 1512203 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 1512203 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsProgramRelatedGrp/BOYAmt | 0 | 147358209 |
| IRS990/InvestmentsProgramRelatedGrp/EOYAmt | 0 | 131781227 |
| IRS990/IRPDocumentCnt | 0 | 1782 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 3553560 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 4198085 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 4086111 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 7639671 |
| IRS990/LegalDomicileStateCd | 0 | CA |
| IRS990/LoanOutstandingInd | 0 | 1 |
| IRS990/LocalChaptersInd | 0 | 0 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MissionDesc | 0 | 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. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 37629801 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 38403341 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 4817 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 391315 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 1087424 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowFASB117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 1711257 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 1591358 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | -1115200 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 381025 |
| IRS990/OtherExpensesGrp/Desc | 0 | PROVISION FOR LOAN & LE |
| IRS990/OtherExpensesGrp/Desc | 1 | LOAN SERVICING |
| IRS990/OtherExpensesGrp/Desc | 2 | MISC OPERATING EXPENSE |
| IRS990/OtherExpensesGrp/Desc | 3 | OPERATING FEES |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 211397 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 175995 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 91944 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 27600 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 132457413 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 128156892 |
| IRS990/OtherOrganizationDsc | 0 | CREDIT UNION |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 0 | 522100 |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | OTHER NON OPERATING INCOME |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 0 | 789033 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 789033 |
| IRS990/OtherRevenueTotalAmt | 0 | 789033 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 1414204 |
| IRS990/OtherWebsiteInd | 0 | X |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 216677 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 232262 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 249831 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 224997 |
| IRS990/PrincipalOfficerNm | 0 | MIKE THEODORE |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 522100 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | INTEREST ON LOANS |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | FEE INCOME |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | OTHER OPERATING INCOME |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 7038005 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 835440 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 412578 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 7038005 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 855622 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 422830 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 20182 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 1 | 10252 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | 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. |
| IRS990/ProgSrvcAccomActy3Grp/Desc | 0 | 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. |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 1285658 |
| IRS990/PYOtherExpensesAmt | 0 | 4280798 |
| IRS990/PYOtherRevenueAmt | 0 | 2023026 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 8480986 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 3768173 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 3740699 |
| IRS990/PYTotalExpensesAmt | 0 | 8021497 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 11789670 |
| IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt | 0 | 1914966 |
| IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt | 0 | 1837905 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 1888740 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 0 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 1 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 37629801 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 38403341 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 16811121 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 29374332 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 638876 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 1792882 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 2431758 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 111204 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 1146829 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 1258033 |
| IRS990ScheduleD/FootnoteTextInd | 0 | X |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 0 | 750000 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 1 | 126544057 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 2 | 1255129 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 3 | 373041 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 4 | 859000 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 5 | 2000000 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 0 | DEPOSITS IN COMMERCIAL BANKS |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 1 | LOANS AND LEASES |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 2 | NCUA SHARE INSURANCE CAPITALIZATION DEPOSIT |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 3 | PAID IN CAPITAL IN CORP |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 4 | ALL OTHER INVESTMENTS |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 5 | HELD TO MATURITY DEBT SECURITIES |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 0 | C |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 1 | F |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 2 | C |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 3 | C |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 4 | F |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 5 | F |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 3285000 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 3285000 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 51031 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 613849 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 664880 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 128156892 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | SHARES AND DEPOSITS |
| IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt | 0 | FASB ASC 740-10-65, INCOME TAXES, PROVIDES GUIDANCE FOR HOW UNCERTAIN TAX POSITIONS SHOULD BE RECOGNIZED, MEASURED, DISCLOSED AND PRESENTED IN THE FINANCIAL STATEMENTS. THIS REQUIRES THE EVALUATION OF TAX POSITIONS TAKEN OR EXPECTED TO BE TAKEN IN THE COURSE OF PREPARING THE CREDIT UNION'S TAX RETURNS TO DETERMINE WHETHER THE TAX POSITIONS ARE "MORE LIKELY THAN NOT" OF BEING SUSTAINED "WHEN CHALLENGED OR "WHEN EXAMINED" BY THE APPLICABLE TAX AUTHORITY. TAX POSITIONS DEEMED TO NOT MEET THE MORE-LIKELY-THAN-NOT THRESHOLD SHOULD BE RECORDED AS A TAX EXPENSE AND LIABILITY IN THE CURRENT YEAR. FOR THE YEARS ENDED MARCH 31, 2025 AND 2024, MANAGEMENT HAS DETERMINED THAT THE CREDIT UNION HAS NO MATERIAL UNCERTAIN TAX POSITIONS, AND ACCORDINGLY, THE CREDIT UNION HAS NOT RECORDED A LIABILITY FOR THE PAYMENT OF INTEREST OR PENALTIES. THE CREDIT UNION IS SUBJECT TO AND PAYS ALL STATE AND CITY TAXES ON GOODS AND SERVICES PURCHASED BY THE CREDIT UNION. |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | PART X, LINE 2: |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 4086111 |
| IRS990ScheduleD/TotalBookValueProgramRltdAmt | 0 | 131781227 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 128156892 |
| IRS990ScheduleJ/BoardOrCommitteeApprovalInd | 0 | X |
| IRS990ScheduleJ/CompensationCommitteeInd | 0 | X |
| IRS990ScheduleJ/CompensationSurveyInd | 0 | X |
| IRS990ScheduleJ/EquityBasedCompArrngmInd | 0 | 0 |
| IRS990/ScheduleJRequiredInd | 0 | 1 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 0 | 448073 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 1 | 153993 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 2 | 115003 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 3 | 116800 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 4 | 127583 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 5 | 105130 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 6 | 106950 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 0 | 25000 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 1 | 25000 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 2 | 25000 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 3 | 25000 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 4 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 5 | 25000 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 6 | 15000 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt | 2 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt | 3 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt | 4 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt | 5 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt | 6 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt | 2 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt | 3 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt | 4 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt | 5 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt | 6 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt | 2 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt | 3 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt | 4 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt | 5 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt | 6 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt | 0 | 0 |
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