Federal credit union · LOS ANGELES, California · NCUA charter #14499
Cal State L.a.
Health score 79/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $77.6M
- Total assets
- 4,860
- Members
- 9.2%
- Net-worth ratio
Cal State L.a. scores 79/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $77.6M; members 4,860; net-worth ratio 9.23%; health rank #2,896 of 4,374; healthier than 33rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,896 of 4,374 health · 2025Q4Cal State L.a. · health 79/100 · $77.6M · 2025Q4
- NCUSIF 79/100
- CAMELS 9.2%
- HEALTH 0.85%
- NW -0.06%
- DELQ $77.6M
- ROA 4,860
- ASSETS #2,896/4,374
- MEM SM
- RANK 14499
Call Report peers
Cal State L.a. in the assets neighbourhood
Cal State L.a.'s $77.6M assets sit next to SM ($77.5M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Cal State L.a. vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
79 33rd percentile higher than 33% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Cal State L.a. - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #14499. See our deposit-insurance coverage note.
Peer-gap read for Cal State L.a.
- Largest favorable gap: Loan-to-Share Ratio at 78.58% vs peer 62.60% (+15.98 pp).
- Widest shortfall vs peers is Net Worth Ratio: -4.39 pp (9.23% vs 13.62%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Cal State L.a. in California
- California health ordinal: #171 of 243.
- California assets place: #166 of 243.
- California membership ordinal: #158 of 243.
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Cal State L.a.: 2025Q4 → 2026Q1
Cal State L.a.: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.0% from $77.6M (2025Q4) to $79.9M (2026Q1).
- Net-worth ratio shifted +0.05 pp (9.18% → 9.23%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 9.23% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 79/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 79.
- Net Worth Ratio 28.1 pts
- Delinquency Rate 21.5 pts
- Return on Assets 3.9 pts
- Member Growth 10.2 pts
- Loan-to-Share Ratio 15.3 pts
Cal State L.a. vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.23% | -4.39 pp |
| Delinquency Rate | 0.85% | -0.12 pp |
| Return on Assets | -0.06% | -0.72 pp |
| Member Growth | 1.00% | - |
| Loan-to-Share Ratio | 78.58% | +15.98 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $79.9M | - |
| 2025Q4 | $77.6M | 4,860 |
| 2024Q4 | $75.9M | 4,812 |
| 2023Q4 | $75.3M | 4,515 |
Credit Union Details
- Charter Number
- 14499
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- California
- City
- LOS ANGELES
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, Cal State L.a. runs 3 offices in 3 different cities across 2 states.
| Office | City |
|---|---|
| MARIONDALE (Main Office) | LOS ANGELES, CA |
| PACIFIC FEDERAL CREDIT UNION | POMONA, CA |
| FLEX CREDIT UNION TECHNOLOGY | SANDY, UT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
A look at other California credit unions, ranked by how closely their peer group and asset size match this one.
Cal State L.a. nationwide neighbourhoods
Cross-state asset and health neighbours for Cal State L.a. - kept outside California; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($77.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (79/100 here).
Using this data
- Cal State L.a. ranks #2,896 of 4,374 nationally on financial health and #171 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Bay Cities is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Bay Cities
- Rates and health both vary by institution, not just by state -- see how California credit unions compare overall before assuming this one is typical. California state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Cal State L.a. financially healthy?
Yes/no aside, the number is 79/100 (Very Good) - Cal State L.a.'s financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,896 of 4,374; by total assets it ranks #2,040 of 4,374 nationally (same basis as /rankings/largest); and #166 of 243 within California. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.23% net worth ratio and 0.85% delinquency rate are the key drivers.
How does Cal State L.a. compare to other credit unions?
79/100 is Cal State L.a.'s score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Cal State L.a.?
Cal State L.a. 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 State L.a. directly for the exact boundaries and application steps.
Is my money safe at Cal State L.a.?
Federal credit unions like Cal State L.a. are 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 State L.a.'s net worth ratio of 9.23% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Cal State L.a. offer compared to banks?
Credit unions like Cal State L.a. are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Cal State L.a. directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.