CAL-ED
Charter #13503 · CALIFORNIA, PA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 3,215 ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.04% sits at the 20th percentile of structural peers — worth a closer look.
- Net interest margin of 3.92% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 3.72% sits at the 95th percentile of structural peers — worth a closer look.
- Efficiency ratio of 99.10% sits at the 82nd percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | CAL-ED | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $18.97M | 33th pct | 13th pct |
| Members | 3,215 | 80th pct | 84th pct |
| Net worth ratio | 14.26% | 54th pct | 62th pct |
| Return on average assets | 0.04% | 20th pct | 20th pct |
| Net interest margin | 3.92% | 54th pct | 82th pct |
| Cost of funds | 0.59% | 38th pct | 34th pct |
| Loan-to-share | 28.20% | 8th pct | 21th pct |
| Delinquency 60+ days | 3.72% | 95th pct | 95th pct |
| Net charge-off ratio | 0.41% | 68th pct | 70th pct |
| Loan growth YoY | -3.57% | 41th pct | 46th pct |
| Share growth YoY | -0.73% | 21th pct | 28th pct |
| Efficiency ratio | 99.10% | 88th pct | 82th pct |
structural peer set hash: 892dc9aff182716edd8cd05715b98823… (reproducible)
Closest structural peers
This is the free public view
Claim CAL-ED
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.