Federal credit union · LOS ANGELES, California · NCUA charter #14499
Cal State L.a.
Health score 77/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $77.6M
- Total assets
- 4,860
- Members
- 8.5%
- Net-worth ratio
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.
Cal State L.a. - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)87
- Asset quality (delinquency)86
- Earnings (ROA)26
- Member growth68
- Liquidity (loan-to-share)100
Weighted composite: 77/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 8.47% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 8.47% | 30% |
| Delinquency Rate | 0.85% | 25% |
| Return on Assets | -0.06% | 15% |
| Member Growth | 1.00% | 15% |
| Loan-to-Share Ratio | 78.58% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Cal State L.a.
Charter #14499, peer group $50M–$100M, a cohort of 584 similarly-sized institutions: that's Cal State L.a., a federal credit union in LOS ANGELES, California with 4,860 members, $77.6M in total assets, and $55.0M in outstanding loans as of Q4 2025. The five-factor composite scores it 77/100 (Very Good), helped by a net worth ratio of 8.47% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
On loan book quality: 0.85% of loans are 60+ days past due against the total loan book - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers. Meanwhile a 78.58% loan-to-share ratio shows how aggressively member deposits get deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at -0.06% on net income of $-49866 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 1.00%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Community). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Cal State L.a. financially healthy?
Yes/no aside, the number is 77/100 (Very Good) - Cal State L.a.'s financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 8.47% net worth ratio and 0.85% delinquency rate are the key drivers.
How does Cal State L.a. compare to other credit unions?
77/100 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 8.47% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.