Caltech Employees Federal Credit Union

Credit UnionFCULa Canada, CA·Est. 1950·NCUA #6681Compare ⇄▤ Account brief

Total assets

$2.18B

▲ +2.5% YoY

Shares & deposits

$1.61B

▼ -0.8% YoY

Loans

$672.0M

▲ +12.8% YoY

Members

31,637

▼ -7.8% YoY

ROA (annualized)

0.12%

peers 0.71%

ROE (annualized)

1.26%

peers 6.28%

Peer comparison 450 credit unions with 1B-10B in assets

Metric	This credit union	Peer median	Δ
Asset growth (YoY)	+2.5%	+5.1%	-2.7 pts
Share growth (YoY)	-0.8%	+4.9%	-5.7 pts
Loan growth (YoY)	+12.8%	+5.4%	+7.4 pts
ROA	0.12%	0.71%	-0.6 pts
ROE	1.3%	6.3%	-5.0 pts

ROA ranks in the 7th percentile of its peer group · Q1 2026

Quarter	Assets	Shares	Loans	Net worth	Net income YTD	ROA	NIM	Delinquency	Members
Q1 2026	$2.18B	$1.61B	$672.0M	$210.7M	$665K	0.12%	1.08%	0.03%	31,637
Q4 2025	$2.12B	$1.60B	$658.3M	$210.0M	$2.1M	0.10%	0.96%	0.04%	34,425
Q3 2025	$2.12B	$1.60B	$644.0M	$210.9M	$1.5M	0.10%	0.95%	0.03%	34,260
Q2 2025	$2.11B	$1.61B	$618.6M	$210.3M	$901K	0.09%	0.93%	0.05%	34,165
Q1 2025	$2.12B	$1.62B	$595.6M	$209.9M	$481K	0.09%	0.91%	0.03%	34,314
Q4 2024	$2.03B	$1.54B	$596.6M	$209.4M	$1.3M	0.06%	0.90%	0.06%	34,272
Q3 2024	$2.03B	$1.53B	$591.5M	$210.9M	$1.3M	0.08%	0.90%	0.04%	34,310
Q2 2024	$1.98B	$1.54B	$589.8M	$210.3M	$647K	0.07%	0.88%

Members down·Members -7.8% YoY (2%+ decline) — Losing members — growth and digital experience are top of mind

Profitability

Ratio	Value	Peer median	Peer percentile
Return on assets Annualized net income ÷ assets	0.12%	0.71%	7th
Return on equity Annualized net income ÷ equity or net worth	1.3%	6.3%	7th
Net interest margin Interest income − interest expense, ÷ assets	1.08%	3.32%

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Ratio	Value	Peer median
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand	00.0%	00.0%
Loans-to-assets How much of the balance sheet is lent out	00.0%	00.0%
Securities-to-assets Investment portfolio as a share of assets	00.0%	00.0%
Cash-to-assets On-balance-sheet liquidity	00.0%	00.0%

Ratio	Value	Peer median
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans	00.0%	00.0%
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans	00.0%	00.0%
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300%	00.0%	00.0%

Ratio	Value	Trend (8q)	Peer median	Peer percentile
Loans per member Member borrowing depth	00.0%		00.0%
Deposits per member Member relationship depth	00.0%		00.0%