Sep, 30, 2025 — CAL-ED FEDERAL CREDIT UNION is a federal credit union headquartered in COAL CENTER, PA with 2 branch locations and about $19.14 million in total assets. Opened 66 years ago in 1960, CAL-ED FEDERAL CREDIT UNION has about 3,238 members and employs 7 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | CAL-ED FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 100 TECHNOLOGY DR COAL CENTER, PA 15423 |
| Phone: | (724) 938-3280 |
| Fax: | (724) 938-8972 |
| Website: | https://www.cal-ed.com |
| Branches: | 2 branch locations |
| Members: | 3,238 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 13503 |
|---|---|
| Membership Type: | Multiple common bond - Primarily educational |
| Corporate Credit Union: | No |
| Year Opened: | 1960 |
| Last Audited: | Dec 01, 2023 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $19,140,885 |
| CEO/Manager: | Jacque M Dwyer |
| Chairperson: | Bruce D Barnhart |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 10,478,314 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 2,842,154 |
| Unsecured Loans | 750,761 |
| Other Loans | 1,124,160 |
| TOTAL LOANS | 4,717,075 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -232,205 |
| Land And Building | 522,108 |
| Other Fixed Assets | 62,753 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 166,704 |
| All Other Assets | 0 |
| TOTAL ASSETS | 19,140,885 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 67,329 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 113,818 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 3,046,404 |
| Regular shares | 9,796,596 |
| All Other Shares & Deposits | 3,402,717 |
| TOTAL SHARES & DEPOSITS | 16,245,717 |
| TOTAL LIABILITIES | 16,426,864 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 2,714,021 |
| TOTAL EQUITY | 2,714,021 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 19,140,885 |
| INCOME & EXPENSE | |
| Loan Income | 271,581 |
| Investment Income | 408,614 |
| Other Income | 35,619 |
| Total Employee Compensation & Benefits | 335,294 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 274,795 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 100,329 |
| Cost of Funds | 71,389 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | -40,139 |
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