Cal Ed Federal Credit Union Coal Center, Pennsylvania
Cal Ed Federal Credit Union is a federal credit union headquartered in Coal Center, PA, established in 1960 (NCUA charter 13503), and it is regulated and insured by the NCUA. At Q2 2026 it reported 3,119 members and total assets of $19.2M (down 4.0% from Q2 2025), the 175th largest of 269 credit unions headquartered in Pennsylvania. Its net worth ratio was 14.11% at Q2 2026, in the well capitalized band.
Also written as Cal Ed FCU
BankRegReports is independent of Cal Ed Federal Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 13503
- Headquarters
- Coal Center, PA
- Established
- 1960
- Total assets, Q2 2026
- $19.2M
- Assets vs Q2 2025
- -4.0%
- Members, Q2 2026
- 3,119
- Net worth ratio, Q2 2026
- 14.11%
- Latest call report
- Q2 2026, NCUA 5300 · Cal Ed Federal Credit Union call report
- Asset rank in state
- 175th of 269 in Pennsylvania
- Routing number
- 243379983
- Branches
- 2
It has 707 fewer members than on June 30, 2025 (-18.5%). Its net worth ratio was up 0.23 percentage points from 13.88% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $2.7M of $4.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 3.50% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 14.11% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in Pennsylvania
Frequently asked about Cal Ed Federal Credit Union
How big is Cal Ed Federal Credit Union?
At Q2 2026 it reported total assets of $19.2M and 3,119 members.
Where is Cal Ed Federal Credit Union headquartered?
It is headquartered in Coal Center, PA, United States.
When was Cal Ed Federal Credit Union founded?
It was established in 1960, per NCUA records.
Is Cal Ed Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 13503): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Cal Ed Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Cal Ed Federal Credit Union well capitalized?
Its net worth ratio was 14.11% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Cal Ed Federal Credit Union's delinquency ratio?
Its delinquency ratio was 3.50% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Cal Ed Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 28.14% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Coal Center, PA 15423
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1960
- NCUA Charter #
- 13503
- RSSD ID
- 973485
- Members
- 3,119
- Potential members
- 10,615
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures and in the bottom quartile on 4.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 14.11% | 14.31% | 48th below |
| Return on assets Middle half of peers: 0.16% to 1.30% | -0.11% | 0.72% | 20th bottom |
| Return on equity Middle half of peers: 1.04% to 8.69% | -0.78% | 4.74% | 20th bottom |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.86% | 3.93% | 47th below |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 102.61% | 79.83% | 12th bottom |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.47% | 0.78% | 69th above |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 3.50% | 0.86% | 13th bottom |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.32% | 4.70% | 31st position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 28.14% | 58.92% | under 10th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$19.2M total assets against $20.0M; $16.4M total shares and deposits against $17.1M; $4.6M total loans against $4.9M.
$2.7M net worth against $2.8M.
14.11% net worth ratio against 13.88%.
28.14% loan-to-share ratio against 28.47%.
3.50% delinquency ratio against 10.74%.
-0.11% return on assets against 0.29%; -0.78% return on equity against 2.07%.
3.86% net interest margin against 3.99%.
3,119 members against 3,826.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 14.11% | -0.11% | 3.50% | 28.14% |
| March 31, 2026 | 14.26% | 0.04% | 3.72% | 28.20% |
| December 31, 2025 | 14.33% | -0.15% | 4.11% | 28.91% |
| September 30, 2025 | 14.62% | -1.50% | 4.90% | 29.04% |
| June 30, 2025 | 13.88% | 0.29% | 10.74% | 28.47% |
| March 31, 2025 | 13.67% | 0.35% | 9.98% | 28.34% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 2% of the loan book, well above the credit-union industry norm of under 1%. Sustained high delinquency erodes net worth through charge-offs. BankRegReports band vs the <1% industry norm.
The credit union posted negative net income relative to assets in its latest filing. Credit unions build net worth only through retained earnings, so sustained losses gradually weaken capital. BankRegReports flag, negative earnings.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.