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
Call Report peers
Cal State L.a. in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Cal State L.a. sits in 75-79 with 502 others.
79 33rd percentile higher than 33% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
Cal State L.a. in California
- California health ordinal: #171 of 243.
- California assets place: #166 of 243.
- California membership ordinal: #158 of 243.
- One place up in California, South Bay (#170) ties at 79/100; one place down, Utility District (#172) ties at 79/100.
Cal State L.a.: 2025Q4 → 2026Q1
Cal State L.a.: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.0% from $77.6M (2025Q4) to $79.9M (2026Q1).
- Net-worth ratio shifted +0.05 pp (9.18% → 9.23%).
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
Cal State L.a. gives up 21 points in total. Return on Assets costs the most, 11.1 of its 15; Loan-to-Share Ratio scores full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Cal State L.a. financially healthy?
On its 2025Q4 NCUA 5300 filing, Cal State L.a. scores 79/100 (Very Good), with a 9.23% net worth ratio and 0.85% of loans delinquent. It ranks #2,896 of 4,374 nationally on health and #171 of 243 in California.
How does Cal State L.a. compare to other credit unions?
Cal State L.a. scores 79/100, higher than 33% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (78.58% vs 62.60%). Its widest shortfall is net worth ratio (9.23% vs 13.62%).
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.?
Cal State L.a. 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 State L.a.'s net worth ratio of 9.23% 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.