Federal credit union · La Canada, California · NCUA charter #6681
Caltech Employees
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $2.12B
- Total assets
- 34,425
- Members
- 9.7%
- Net-worth ratio
Caltech Employees scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.12B; members 34,425; net-worth ratio 9.68%; health rank #2,641 of 4,374; healthier than 39th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,641 of 4,374 health · 2025Q4Caltech Employees · health 81/100 · $2.12B · 2025Q4
- ROA 81/100
- ASSETS 9.7%
- MEM 0.04%
- RANK 0.06%
- PHOTO $2.12B
- BOOK 34,425
- CHARTER #2,641/4,374
- NCUSIF CLEARVIEW
- CAMELS 6681
Call Report peers
Caltech Employees in the assets neighbourhood
Caltech Employees's $2.12B assets sit next to CLEARVIEW ($2.12B) 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.
Caltech Employees 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
81 39th percentile higher than 39% 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
Caltech Employees - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #6681 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Caltech Employees: Call Report deltas vs peers
- Largest favorable gap: Delinquency Rate at 0.04% vs peer 0.87% (-0.84 pp).
- Largest lag: Loan-to-Share Ratio at 41.13% vs peer 83.90% (-42.77 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Caltech Employees sits in California
- In California, health place is #156 of 243 on the same NCUA-ratio sort used nationally.
- California assets place: #35 of 243.
- Membership ranks #78 of 243 among California CUs with a reported count (34,425 members).
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Caltech Employees's 5300 filing moved
Caltech Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.8% from $2.12B (2025Q4) to $2.18B (2026Q1).
- Net-worth ratio shifted -0.24 pp (9.92% → 9.68%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.68%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 81/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 81.
- Net Worth Ratio 29.2 pts
- Delinquency Rate 25.0 pts
- Return on Assets 7.2 pts
- Member Growth 9.5 pts
- Loan-to-Share Ratio 10.1 pts
Caltech Employees health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.68% | -1.50 pp |
| Delinquency Rate | 0.04% | -0.84 pp |
| Return on Assets | 0.06% | -0.45 pp |
| Member Growth | 0.45% | - |
| Loan-to-Share Ratio | 41.13% | -42.77 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Caltech Employees quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.18B | - |
| 2025Q4 | $2.12B | 34,425 |
| 2024Q4 | $2.03B | 34,272 |
| 2023Q4 | $1.95B | 34,468 |
Credit Union Details
- Charter Number
- 6681
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- California
- City
- La Canada
- Data Quarter
- 2025Q4
Branch Locations (4)
The NCUA branch filing lists 4 physical offices for Caltech Employees, spread across 2 cities.
| Office | City |
|---|---|
| CEFCU Foothill Branch (Main Office) | La Canada, CA |
| Real Estate Loan Center | La Canada, CA |
| CIT Branch | Pasadena, CA |
| JPL Branch | Pasadena, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
More federally-insured credit unions based in California, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for Caltech Employees, both outside California so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($2.12B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (81/100 here).
Using this data
- Caltech Employees ranks #2,641 of 4,374 nationally on financial health and #156 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- MERIWEST is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with MERIWEST
- 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 Caltech Employees financially healthy?
Caltech Employees has a financial health score of 81/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,641 of 4,374; by total assets it ranks #248 of 4,374 nationally (same basis as /rankings/largest); and #35 of 243 within California. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 9.68% and delinquency rate of 0.04%.
How does Caltech Employees compare to other credit unions?
Caltech Employees scores 81/100 on PlainCU's health composite, compared to a peer group average for Over $500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (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 Caltech Employees?
Caltech Employees 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 Caltech Employees directly for the exact boundaries and application steps.
Is my money safe at Caltech Employees?
Federal credit unions like Caltech Employees 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. Caltech Employees's net worth ratio of 9.68% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Caltech Employees offer compared to banks?
Credit unions like Caltech Employees 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 Caltech Employees 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.