State credit union · Pasadena, California · NCUA charter #60755

L. A. Electrical Workers Credit Un.

Health score 79/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.

79
Health / 100
$52.1M
Total assets
8,432
Members
20.4%
Net-worth ratio

L. A. Electrical Workers Credit Un. - Share Insurance Coverage

The 2025Q4 NCUA Call Report puts charter #60755 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.

NCUSIF coverage gauge for L. A. Electrical Workers Credit Un. Share insurance under NCUSIF covers up to $250,000 per share owner. L. A. Electrical Workers Credit Un. holds approximately $42.4M in member shares. Composite CAMELS rating bracket 2 (Satisfactory). Risk-based capital ratio 20.4 percent. Share Insurance Coverage Federal NCUSIF - $250K per share owner 1 2 3 4 5 CAMELS 2 · Satisfactory RBC ratio 20.4% · $42.4M member shares Insured · backed by full faith and credit of the United States
Source: NCUA 5300 Call Report 2025Q4 - share insurance under Title II of the Federal Credit Union Act

L. A. Electrical Workers Credit Un. - Five Health Pillars

Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.

  • Capital (net worth ratio) 20.43% 30% weight
  • Asset quality (delinquency) 0.20% 25% weight
  • Earnings (ROA) 0.51% 15% weight
  • Member growth -11.00% 15% weight
  • Liquidity (loan-to-share) 29% 15% weight

Weighted composite: 79/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.

Source: NCUA 5300 Call Report, sub-scores per PlainCU methodology (see the methodology guide)
Net worth ratio vs. NCUA well-capitalized threshold 100.0%

At 20.43%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.

$52.1M
Total Assets
8,432
Members
$12.4M
Total Loans
$42.4M
Total Deposits

Financial Health Metrics

Metric Value Weight
Net Worth Ratio 20.43% 30%
Delinquency Rate 0.20% 25%
Return on Assets 0.51% 15%
Member Growth -11.00% 15%
Loan-to-Share Ratio 29.19% 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 $52.1M 8,432
2024Q4 $51.1M 9,474
2023Q4 $56.0M 9,116

Credit Union Details

Charter Number
60755
Type
State
Field of Membership
Other
Peer Group
$50M–$100M
State
California
City
Pasadena
Data Quarter
2025Q4

What This Data Says About L. A. Electrical Workers Credit Un.

L. A. Electrical Workers Credit Un. is a state credit union headquartered in Pasadena, California, serving 8,432 members with $52.1M in total assets and $12.4M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 79/100 (Very Good), anchored by a net worth ratio of 20.43% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #60755 operates under peer group $50M–$100M, a cohort of 584 similarly-sized institutions.

On loan book quality: 0.20% 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 29.19% loan-to-share ratio shows how aggressively member deposits get deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.51% on net income of $266K 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 -11.00%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Other); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.

Nearby Credit Unions in California

Other federally-insured credit unions in California, closest first by peer group and asset size.

Compare L. A. Electrical Workers Credit Un. vs INLAND VALLEY

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 L. A. Electrical Workers Credit Un. financially healthy?

Yes/no aside, the number is 79/100 (Very Good) - L. A. Electrical Workers Credit Un.'s financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 20.43% net worth ratio and 0.20% delinquency rate are the key drivers.

How does L. A. Electrical Workers Credit Un. compare to other credit unions?

On PlainCU's health composite, L. A. Electrical Workers Credit Un. lands at 79/100, compared to a peer group average for $50M–$100M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 L. A. Electrical Workers Credit Un.?

Membership eligibility for L. A. Electrical Workers Credit Un. depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact L. A. Electrical Workers Credit Un. directly for current membership requirements and application steps.

Is my money safe at L. A. Electrical Workers Credit Un.?

Federal credit unions like L. A. Electrical Workers Credit Un. 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. L. A. Electrical Workers Credit Un.'s net worth ratio of 20.43% exceeds the 7% threshold NCUA considers "well capitalized."

What rates does L. A. Electrical Workers Credit Un. offer compared to banks?

Credit unions like L. A. Electrical Workers Credit Un. 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 L. A. Electrical Workers Credit Un. 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.