CAL-ED Credit Union Profile

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CAL-ED

Charter #13503 | NCUA Region 1 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (724) 938-3280

Fax: (724) 938-8972

Founding Date: N/A

Website: http://www.cal-ed.com

Personnel & Operations

President: Barnhart, Bruce

Manager: Dwyer, Jacque

FT Employees: 6

PT Employees: 1

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 34

Branches: 2

Hours: M---F 9:00 AM TO 4:00 PM

Credit Union Profile Summary

CAL-ED is a FCU Credit Union. With a total of 3,826 members [1], this institution manages approximately $19,965,905 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 13.88% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -12.40% [1].

Financial Snapshot

Total Assets [1]
$19,965,905

Total economic resources.

Total Loans [1]
$4,873,211

Total value of outstanding loans.

Total Deposits [1]
$17,119,396

Total funds deposited by members.

Members [1]
3,826

Number of active members.

Performance Ratios

Net Worth Ratio [1]
13.88%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
0.32%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
28.47%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
-3.96%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
-12.40%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
-24.88%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

100 TECHNOLOGY DR

COAL CENTER, PA, 15423

Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 1 branches reported by CAL-ED (Charter #13503).

Main Office

Cal-Ed Federal Credit Union Main Office

Type: Corporate Office

100 TECHNOLOGY DR

Coal Center, PA 15423

Phone: (724) 938-3280

Services: Member Services, ATM, Drive-Thru

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