California, Pennsylvania · Peer group 3
Cal-Ed Credit Union
Cal-Ed Credit Union holds $19.0M in assets across 3,215 members as of Q1 2026 — about $6K of assets per member, on a charter dating to 1960. Charter number 13503, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $19.0M |
|---|---|
| Total loans | $4.5M |
| Total shares (deposits) | $16.1M |
| Net worth | $2.7M |
| Members | 3,215 |
| Assets per member | $6K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -6.0% | |
|---|---|---|
| Loans | -7.4% | around the 27th percentile of its peer group |
| Deposits | -7.0% | lower than 92% of its peer group |
| Members | -17.6% | lower than 98% of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 28.2% | lower than 92% of its peer group |
|---|---|---|
| Net worth ratio | 14.3% | around the 54th percentile of its peer group |
| Return on assets | 0.04% | around the 20th percentile of its peer group |
| Delinquency ratio | 3.72% | higher than 95% of its peer group |
| Cash / assets | 19.7% | around the 82nd percentile of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Cal-Ed Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Pennsylvania — the comparison set a peer ratio is measured against.
- Southwest Communities Credit Union
Carnegie, PA
$19.0M · 1,817 members
- Fayette Federal Employees Credit Union
UNIONTOWN, PA
$19.4M · 1,261 members
- Stanwood Area Credit Union
New Stanton, PA
$18.4M · 2,253 members
- Alleg-Kiski Postal Credit Union
NEW KENSINGTON, PA
$19.6M · 2,450 members
- Locomotive & Control Employees Credit Union
Erie, PA
$19.9M · 901 members
- Saint Vincent Erie Credit Union
Erie, PA
$18.0M · 1,655 members
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