CAL-ED
Federal • CALIFORNIA, Pennsylvania • Est. 1960
Quick Facts
- Charter Number
- #13503
- Type
- Federal
- Established
- 1960
- Headquarters
- CALIFORNIA, Pennsylvania 15419
- Address
- PO BOX 497
- Branches
- 2
- Members
- 3,217
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Poor financial health. One or more key ratios are below NCUA thresholds. All deposits remain federally insured up to $250,000.
Financial Overview
Total Assets
Members
3,217 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | CAL-ED |
|---|---|
| Total Assets | $18.9M |
| Members | 3,217 |
| Loans Outstanding | $4.6M |
| Shares & Deposits | $16.0M |
| Net Worth | $2.7M |
| Net Worth Ratio | 14.33% |
| Loan-to-Share Ratio | 28.9% |
| Delinquency Rate | 4.11% |
| Net Income | +$53,037 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
2 locations
Cal-Ed Federal Credit Union
Main Office100 TECHNOLOGY DR
COAL CENTER, PA 15423
VALLEY FIRST FCU
815 Schoonmaker Ave
MONESSEN, PA 15062
Who Can Join CAL-ED?
Membership Type: Community
Membership eligibility for CAL-ED may vary. Contact the credit union directly to confirm qualification requirements.
Contact CAL-ED directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Pennsylvania RankingsFrequently Asked Questions
Yes. CAL-ED is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, CAL-ED has 3,217 members and a potential membership field of 10,615 people.
CAL-ED's net worth ratio is 14.33% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 14.3%, CAL-ED meets this threshold.
CAL-ED operates 2 branch locations. The main office is located at 100 TECHNOLOGY DR, COAL CENTER, PA 15423.
CAL-ED was established in 1960. It is a federal credit union chartered under charter number 13503. The institution has been serving members for 66 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or CAL-ED. All financial data is for informational purposes only.