CENTRAL STATE
State-Chartered • Stockton, California • Est. 1936
Quick Facts
- Charter Number
- #60363
- Type
- State-Chartered
- Established
- 1936
- Headquarters
- Stockton, California 95202
- Address
- 919 N Center St
- Branches
- 4
- ATMs
- 4
- Members
- 14,221
- Membership Type
- Community
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 8% and a delinquency rate below 1.5%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
14,221 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | CENTRAL STATE |
|---|---|
| Total Assets | $255.2M |
| Members | 14,221 |
| Loans Outstanding | $83.8M |
| Shares & Deposits | $208.6M |
| Net Worth | $22.9M |
| Net Worth Ratio | 8.97% |
| Loan-to-Share Ratio | 40.2% |
| Delinquency Rate | 0.01% |
| Net Income | $-16,343 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
Branch Locations
4 locations · 4 ATMs
Main Branch
Main Office919 N Center St
Stockton, CA 95202
San Andreas Branch
462 Saint Charles St
San Andreas, CA 95249-9664
El Dorado's Branch
5242 N El Dorado St
Stockton, CA 95207-5845
Lodi's Branch
363 S Lower Sacramento Rd
Lodi, CA 95242-3326
Who Can Join CENTRAL STATE?
Membership Type: Community
Membership eligibility for CENTRAL STATE may vary. Contact the credit union directly to confirm qualification requirements.
Contact CENTRAL STATE directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in California
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View California RankingsFrequently Asked Questions
CENTRAL STATE is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, CENTRAL STATE has 14,221 members and a potential membership field of 1,523,175 people.
CENTRAL STATE's reported net worth ratio is 8.97% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
CENTRAL STATE operates 4 branch locations and has access to 4 ATMs. The main office is located at 919 N Center St, Stockton, CA 95202.
CENTRAL STATE was established in 1936. It is a state-chartered credit union chartered under charter number 60363. The institution has been serving members for 90 years.
Data sourced from the NCUA Quarterly Call Report (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or CENTRAL STATE. All financial data is for informational purposes only.