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
- 14,357
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
14,357 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | CENTRAL STATE |
|---|---|
| Total Assets | $228.8M |
| Members | 14,357 |
| Loans Outstanding | $64.8M |
| Shares & Deposits | $212.2M |
| Net Worth | $22.9M |
| Net Worth Ratio | 10.01% |
| Loan-to-Share Ratio | 30.5% |
| Delinquency Rate | 0.27% |
| Net Income | +$1,393,555 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
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.
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View California RankingsFrequently Asked Questions
Yes. CENTRAL STATE is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, CENTRAL STATE has 14,357 members and a potential membership field of 1,515,504 people.
CENTRAL STATE's net worth ratio is 10.01% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 10.0%, CENTRAL STATE meets this threshold.
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 (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or CENTRAL STATE. All financial data is for informational purposes only.