Central State
Central State is a credit union based in Stockton, California, established in 1936, with $255 million in total assets serving 14,221 members. By Trust Grade it ranks 197th of 241 credit unions we track in California. Its net worth ratio of 9.0% trails most similarly sized credit unions (14th percentile), versus a California median of 11.1%. It posted a loss over the most recent period (-0.03% return on assets), a point to watch. No consumer complaints against Central State appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Central State compares to California peers
How we graded Central State
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (9.0% capital ratio)
- Unprofitable over the period (ROA -0.03%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Central State over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Central State insured?
Yes. Central State is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Central State: frequently asked questions
Is Central State a good credit union?
Central State earns a Bankzia Trust Grade of C (79/100, "Average"), based on a financial-strength score of 79/100 (it has no CFPB complaints on record). Well-capitalized (9.0% capital ratio); Unprofitable over the period (ROA -0.03%).
Is Central State NCUA-insured?
Yes. Central State is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Central State?
Central State holds $255 million in total assets, ranking 197th of 241 credit unions we track in California. It serves 14,221 members.
Does Central State have CFPB complaints?
No CFPB complaints against Central State appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
