Federal credit union · CALIFORNIA, Pennsylvania · NCUA charter #13503
CAL-ED
Health score 41/100, grade F (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 41
- Health / 100
- $18.9M
- Total assets
- 3,217
- Members
- 14.3%
- Net-worth ratio
CAL-ED scores 41/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $18.9M; members 3,217; net-worth ratio 14.26%; health rank #4,332 of 4,374; healthier than 1st of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#4,332 of 4,374 health · 2025Q4CAL-ED · health 41/100 · $18.9M · 2025Q4
Call Report peers
CAL-ED in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
CAL-ED vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); CAL-ED sits in 40-44 with 25 others.
41 1st percentile higher than 1% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where CAL-ED diverges from peer averages
- Largest lag: Loan-to-Share Ratio at 28.91% vs peer 59.80% (-30.89 pp).
CAL-ED: in-state Call Report ranks
- Pennsylvania health ordinal: #273 of 275.
- By total assets, CAL-ED is #176 of 275 in Pennsylvania.
- Member book place in Pennsylvania: #133 of 275.
- One place up in Pennsylvania, SPOJNIA (#272) scores 42/100, 1 point higher; one place down, Post Gazette (#274) scores 40/100, 1 point lower.
Quarter path for CAL-ED
CAL-ED: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.4% from $18.9M (2025Q4) to $19.0M (2026Q1).
- Net-worth ratio shifted -0.07 pp (14.33% → 14.26%).
This credit union's 14.26% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 41/100 score is built
CAL-ED gives up 59 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 2.5 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 8.5 pts
CAL-ED health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.26% | -0.60 pp |
| Delinquency Rate | 4.11% | +2.96 pp |
| Return on Assets | -0.22% | -0.93 pp |
| Member Growth | -19.35% | - |
| Loan-to-Share Ratio | 28.91% | -30.89 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
CAL-ED quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $19.0M | - |
| 2025Q4 | $18.9M | 3,217 |
| 2024Q4 | $20.2M | 3,989 |
| 2023Q4 | $21.2M | 5,120 |
Credit Union Details
- Charter Number
- 13503
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Pennsylvania
- City
- CALIFORNIA
- Data Quarter
- 2025Q4
Branch Locations (2)
CAL-ED operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Cal-Ed Federal Credit Union (Main Office) | COAL CENTER, PA |
| VALLEY FIRST FCU | MONESSEN, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
More federally-insured credit unions based in Pennsylvania, ordered by peer group match and asset size.
CAL-ED nationwide neighbourhoods
Similar total assets
Similar health score
Using this data
- CAL-ED ranks #4,332 of 4,374 nationally on financial health and #273 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Southwest Communities is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Southwest Communities
Frequently Asked Questions
Is CAL-ED financially healthy?
On its 2025Q4 NCUA 5300 filing, CAL-ED scores 41/100 (Below Average), with a 14.26% net worth ratio and 4.11% of loans delinquent. It ranks #4,332 of 4,374 nationally on health and #273 of 275 in Pennsylvania.
How does CAL-ED compare to other credit unions?
CAL-ED scores 41/100, higher than 1% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (28.91% vs 59.80%).
How can I join CAL-ED?
CAL-ED operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact CAL-ED directly for the exact boundaries and application steps.
Is my money safe at CAL-ED?
CAL-ED is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. CAL-ED's net worth ratio of 14.26% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.