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
Call Report peers
Caltech Employees in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Caltech Employees sits in 80-84 with 767 others.
81 39th percentile higher than 39% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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).
- One place up in California, Valley Agricultural (#155) ties at 81/100; one place down, MYPOINT (#157) ties at 81/100.
How Caltech Employees's 5300 filing moved
Caltech Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.8% from $2.12B (2025Q4) to $2.18B (2026Q1).
- Net-worth ratio shifted -0.24 pp (9.92% → 9.68%).
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
Caltech Employees gives up 19 points in total. Return on Assets costs the most, 7.8 of its 15; Delinquency Rate scores full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is Caltech Employees financially healthy?
Caltech Employees has a financial health score of 81/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,641 of 4,374 nationally on health and #156 of 243 in California. Its net worth ratio is 9.68% and its delinquency rate 0.04%.
How does Caltech Employees compare to other credit unions?
Caltech Employees scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is delinquency rate (0.04% vs 0.87%). Its widest shortfall is loan-to-share ratio (41.13% vs 83.90%).
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?
Caltech Employees 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. Caltech Employees's net worth ratio of 9.68% 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.