Cal-Ed
California, PA · Charter 13503 · Peer group: credit unions under $1B in assets in the Pittsburgh, PA area (n=78)
NCUA · 2 branches
Q2 2026
$19.2MAssets
$4.6MLoans
$16.4MShares
$2.7MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 63% of credit unions under $1B in assets in the Pittsburgh, PA area (rank 29 of 78).
- Widest gap: efficiency ratio trails 92% of credit unions under $1B in assets in the Pittsburgh, PA area (rank 73 of 78).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
-0.03%
Rank 72 of 78
Net Interest Margin
3.87%
Rank 29 of 78
Efficiency Ratio
100.72%
Rank 73 of 78
Equity / Assets
14.11%
Rank 43 of 78
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.03% | 0.37% | 0.83% | 1.31% | Beats 8% | 72 / 78 | |
| Return on Equity | -0.22% | 1.73% | 5.71% | 9.08% | Beats 8% | 72 / 78 | |
| Net Interest Margin | 3.87% | 3.17% | 3.63% | 4.21% | Beats 63% | 29 / 78 | |
| Efficiency Ratio | 100.72% | 65.01% | 78.15% | 89.28% | Beats 8% | 73 / 78 | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.50% | 0.40% | 0.84% | 1.97% | Beats 15% | 67 / 78 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.11% | 12.42% | 15.10% | 18.27% | Beats 45% | 43 / 78 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.11% | 12.42% | 15.10% | 18.27% | Beats 45% | 43 / 78 | |
| Liquidity & Funding |
| Loans / Deposits | 28.14% | 34.83% | 50.41% | 71.84% | 13th pctl | 68 / 78 | |
| Loans / Assets | 24.03% | 29.34% | 41.02% | 56.96% | 13th pctl | 68 / 78 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |