# CALTECH EMPLOYEES
La Canada, CA · NCUA charter 6681 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/caltech-employees-6681

Who the members are: federal charter, multiple common bond, organized 1950. 31,637 members of 55,000 potential (57.5% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 35.

**Verdict on the desk:** this could be *ordinary*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $2.18B |
| Members | 31,637 (-7.8% YoY) |
| Full-time staff | 78 |
| Net worth | $210.7M |
| Net worth ratio | 9.7% (p27 of band) |
| ROA (annualized) | 0.12% (p7 of band) |
| Total delinquency | 0.03% (p0 of band) |
| Net charge-offs (annualized) | 0.05% (p3 of band) |
| Loans / shares | 42% (p2 of band) |
| Cash / assets | 7.2% |
| Borrowings / assets | 18.38% |
| Net interest margin | 1.08% (p1 of band) |
| Operating expense / assets | 0.96% (p1 of band) |
| Vehicles % of loans | 7% (p7 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p3 of band) |
| Vehicle delinquency | 0.09% (p3 of band) |
| Vehicle NCO | 0.00% (p1 of band) |
| Repossessed % of vehicle book | 0.00% (p11 of band) |
| Real estate % of loans | 85% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 14% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $42,503 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $28.9M |
| Loans outstanding per 100 members | 35% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $60,639 |
| Loans granted, annualized | $183.6M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $28.9M outstanding purchased (13.7% of net worth), $0 sold and retained. Sold in 0 and bought in 4 of the last 8 quarters. Shares -0.8% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **members leaving** (`shrink_members`)
- **leaning on borrowings** (`str_borrowings`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | net worth falling |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 0 |  | net worth falling |
| 2017-09 | 1 | delinquency rising |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | delinquency rising |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | net worth falling |  |
| 2019-06 | 1 | delinquency rising | net worth falling |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 | net worth falling | delinquency rising |
| 2020-03 | 0 |  | net worth falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | net worth falling |  |
| 2020-12 | 0 |  | net worth falling |
| 2021-03 | 1 | loan book shrinking |  |
| 2021-06 | 0 |  | loan book shrinking |
| 2021-09 | 1 | delinquency rising |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 | assets shrinking | delinquency rising |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 2 | net worth falling, leaning on borrowings | assets shrinking |
| 2023-09 | 2 | delinquency rising | net worth falling |
| 2023-12 | 1 |  | delinquency rising |
| 2024-03 | 1 |  |  |
| 2024-06 | 3 | delinquency rising, assets shrinking |  |
| 2024-09 | 1 |  | delinquency rising, assets shrinking |
| 2024-12 | 3 | net worth falling, delinquency rising |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 2 |  | net worth falling |
| 2025-09 | 1 |  | delinquency rising |
| 2025-12 | 1 |  |  |
| 2026-03 | 3 | net worth falling, members leaving |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-03-05 [Rich Harris is retiring after 38 years of leadership - CUInsight](https://news.google.com/rss/articles/CBMimAFBVV95cUxQdnk0QnVzT0NNSjZ2WW1ad1d0TXdRRHdwcTRtM0Z6cGZlQmFnZ18tYVh2QlA0TjNIb0cyVkQxNDlLYWRlbTN4OHNzWE95eUlEZ3ZCMEtxcU5QLXJsa0JaTVZiU0F2OG5WZC1EYzkxcWJNZUt0OVFIWlAzdDIzVU9DLVZBRm9BSUpHX1hOQXFJMlBVclI0N25JUw?oc=5) · CUInsight
- 2025-01-24 [Californian credit unions forced to close as wildfires rage across LA - Co-operative News](https://news.google.com/rss/articles/CBMimwFBVV95cUxNek5WSEFhdERRNkdZaWNwRGpFQWNfYVhkWUMzaEdDalcyZGNuT3pmazAzaGw1bS1PNzlmN2tmRG44TkJrU2dvWmdsSDkwYWx2N1BtaVk1bTdXRUpLZFJ2aklienFzRkVST05XVDhrZ2tCalVaU0xyRVQwaWlOX0w0NW9tU0pkVEJfN3pVUW80T1BnSnIyNjkxWHNTUQ?oc=5) · Co-operative News
- 2024-01-12 [Circle's plan to go public, Amazon's new payments tech for health care - American Banker](https://news.google.com/rss/articles/CBMipgFBVV95cUxOdE1KTXZJUFFsdDlybEwtZW8wQllVUjdWb2dzdWhnMVhqZkljMHdWVUdjcXFMSmFtYmpwTnpDVXg1eFVQbVUteU0tNUF1RTJZWnlsNVRDS0pTTWp5LVg1LS1iQlhhN05JaTBtYVgxMm9Za0toX0ktWlIwQ3pIZk42SXRTQlJsdVBLREU3TGR6VHNrX1A1MERtWHVGV3FzT1AxQXp6NDJn?oc=5) · American Banker
- 2023-11-28 [Caltech Employees Federal Credit Union announces new Chief Marketing Officer - CUInsight](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQbEhUNGFyS0xmdnF5UTlKTWVkaXhxWXMzcG1aeV9VMVhYZWc4V2hzZFliQUJ5RzZmVTBQY2lIR1RVMHhyLTJscEh1dzhhSzJoYnN0dkxMYk1oVmU1NzVabkVJZURlTjU0eGlmdldlN2Q5bV9TNkx2Vl9QRGItcmRsenI1UkxYWHE5X3lfZHRzeV9fb3h0dXd3SElQSjJpUDY0bDlPc1g5T2RycGZrSENSaG9CYk1uX2ox?oc=5) · CUInsight
- 2024-05-31 [Jo Ann Mistich Obituary - Alta Loma, California, CA - San Bernardino Sun](https://news.google.com/rss/articles/CBMifEFVX3lxTFAzQ2JQemJrQU9oajZfYk1jRXh2TllPdDFod2s3dVRpS2cxOVpWd3Ewa0Jpd2RtdTBLZzd4bFd1TWJDd2VabWNHeTBqRS1YVXFmZXA5U0F5NFMwX1BEXy1SaXo4RlZya29QdHUtbWhZdlk4RHJsdTFNMVMyTEE?oc=5) · San Bernardino Sun
- 2015-05-18 [ANCA-WR Board Member Pattyl Aposhian Kasparian Appointed to CA Commission on Judicial Performance - Armenian National Committee of America](https://news.google.com/rss/articles/CBMiyAFBVV95cUxOSmJnN1NSMXRVV2I0ZlRBTkZSM05KQV9TMTFtdlJGcGU5VTR6Y2hzbE5paG5xb1cyNnhIU1NwMzZPRVVPRTRiSXdyc3d0SFk2Uk5PZ0NDcUYtWDZibkNUclhpVXhDNzEwRUQzNGhma284aFNuQ3VOY3BMaGZPTUxxaE5fYWU3Mmk4Y0thWFVLZkc0cXEybGNlUnEzLXhkVmFJY245UEJuLVhoSGliQUxvS250R09TM3NqV1NjU3loREQtR2hlMU5yWQ?oc=5) · Armenian National Committee of America

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=6681 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/25.json (key "6681", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=6681
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide