California Intercontinental University

Private for-profitDoctoral/Professional UniversitySmall

Fin. Resilience

Resilience score

vs. 14 peers in its group

California Intercontinental University is a private for-profit institution in Sioux Falls, SD, classified by Carnegie as “Doctoral/Professional University.”

It enrolls about 151 undergraduates and is benchmarked here against 14 peer institutions (Doctoral/Professional University · Private for-profit).

On Ibex's Financial Resilience score it rates 43 out of 100 within that peer group, a transparent composite of endowment per undergraduate, net tuition revenue per student, and instructional spend per student.

Its strongest standing relative to peers is metro-area unemployment rate (2.1%, 7th percentile).

Its weakest is net-price momentum (cagr) (8%).

Peer group

Doctoral/Professional University · Private for-profit

14 institutions

No cross-metric risk flags triggered.

Policy & demographic exposure

How exposed California Intercontinental University is to the structural shifts reshaping higher ed: a composite structural-risk index plus the 2025 federal budget law’s endowment excise tax, Grad PLUS elimination, new Parent PLUS borrowing cap and new Workforce Pell short-term-credential opportunity, and the demographic enrollment cliff. Only signals that apply to this institution are shown.

Structural risk index

High

Grad PLUS exposure

20.2%

Moderate exposure

Higher than 50% of schools nationally

AY2025-26 YTD (through Q2, Dec 2025)

Avg Grad PLUS loan

$17,739

Half the cap+

Higher than 44% of schools nationally

AY2025-26 YTD (through Q2, Dec 2025)

Enrollment cliff (home state)

0.1%

Stable or growing

Indicative signals, not forecasts, see each metric’s definition and the methodology. Endowment-tax, Grad PLUS, Parent PLUS and Workforce Pell figures appear only where the institution is actually exposed; “nationally” compares against all schools that report each signal.

Turn these signals into action

Seeing exposure is step one. Ibex builds AI agents that monitor and act on exactly these pressures, explore an interactive demo. Live demos run real workflows; the rest are working mockups we build to your institution’s data.

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Revenue composition

Where the money comes from $4.2M total revenue · IPEDS FY2022-23

Tuition & fees is the largest single source at 91% of revenue.

Tuition & fees90.6%

Other revenue9.4%

Where each dollar of revenue comes from, as a share of total positive revenue. Sources are standardized across public (GASB) and private (FASB) reporting; a net investment loss in a down market is shown as 0% and excluded from the mix.

Financial Health

Net tuition revenue / FTE

Average

$11,536

50th percentile in peer grouppeer median $11,979

2024-2514 peers

Instructional spend / FTE

Average

$1,607

36th percentile in peer grouppeer median $1,771

2024-2514 peers

Avg monthly faculty salary

Below peers

$4,174

15th percentile in peer grouppeer median $7,406

2024-2513 peers

Average monthly salary of full-time faculty, as reported to IPEDS.

Operating margin

Deficit

-9.7%

29th percentile in peer grouppeer median 5.4%

FY2022-2314 peers

Net surplus as a share of total revenue (IPEDS FY2022-23): (total revenues − total expenses) ÷ total revenues. A surplus above 4% is strong; a thin surplus near 0% leaves little margin for shocks.

Tuition dependency

90.6%

36th percentile in peer grouppeer median 95.3%

FY2022-2314 peers

Tuition & fees as a share of total revenue (IPEDS FY2022-23). Higher = more exposed to enrollment swings.

Avg Parent PLUS loan

$4,801

18th percentile in peer grouppeer median $10,093

2024-2511 peers

Average federal Parent PLUS loan per recipient (U.S. Dept. of Education, FSA Direct Loan Dashboard, AY2025-26 YTD). Parent PLUS faces new aggregate borrowing caps under the 2025 budget law; a high average shows how far families currently borrow above other federal aid. Companion to the Grad PLUS and Parent PLUS cap-gap signals. Context, not a quality measure.

Financial responsibility score

Below peers

1.6

25th percentile in peer grouppeer median 1.8

FY2022-23 (Federal Student Aid)8 peers

The U.S. Department of Education's financial-responsibility composite score, a -1.0 to +3.0 measure of an institution's solvency built from its audited finances. 1.5 and above passes; 1.0-1.4 is a zone needing oversight; below 1.0 fails and can trigger letter-of-credit or cash-monitoring requirements. ED computes it only for private non-profit and proprietary schools, so it is reported only where scored. Higher is safer. Banded against the school's peer group.

Grad PLUS exposure

Moderate exposure

20.2%

2024-25

Share of the institution's graduate federal loan dollars (Grad Unsubsidized + Grad PLUS) that came from Grad PLUS, the program the 2025 budget law eliminates for new borrowers from July 1, 2026, alongside new caps on graduate borrowing. A higher share means more of the school's graduate students rely on borrowing that will no longer exist above the unsubsidized cap. Source: U.S. Dept. of Education / Federal Student Aid Direct Loan Dashboard, primarily award year 2025-26 (year-to-date through Q2, December 2025), the most current federal data; schools not yet reporting Grad PLUS in 2025-26 retain their most recent complete year (2024-25), shown per school. The reliance share is stable across the two vintages. Shown only for schools with Grad PLUS originations; an exposure signal, not a forecast of revenue loss.

Avg Grad PLUS loan

Half the cap+

$17,739

2024-25

Average Grad PLUS loan per recipient (FSA Direct Loan Dashboard, award year 2025-26 year-to-date through Q2, with 2024-25 full-year retained where 2025-26 is not yet reported). The 2025 budget law eliminates Grad PLUS for new borrowers from July 1, 2026 and caps unsubsidized graduate borrowing at $20,500/year, so this is the average per-borrower amount that will no longer be available above that cap. Paired with Grad PLUS exposure (the institution's reliance share), it is the depth axis of the Grad PLUS shock: how much each affected borrower stands to lose. Shown only where Grad PLUS was originated.

Structural risk index

High

2024-25

An indicative 0–100 structural-risk index (higher = more pressure), an equal-weight blend of the stress signals we measure: thin or negative operating margin, low months of operating cushion, high tuition dependency, and a shrinking home-state high-school-graduate pipeline (enrollment cliff). Averaged over whichever signals are available (at least two required). It screens for the financial and demographic pressures that precede closures and mergers, a directional indicator, NOT a prediction that any institution will close, and not a credit rating.

Graduation & completion

Graduation rate · first-time, full-time

–

Not reported, this institution has no first-time, full-time bachelor's-degree cohort, so the graduation rate does not apply. See the all-students completion rate.

Completion rate · all students

24.1%

24.1% earned a degree or certificate within 8 years (IPEDS Outcome Measures)
The broader cohort, also counts part-time entrants and transfer-ins, and any credential. More inclusive, so it can run higher than the graduation rate.

Why two numbers? They measure different students over different windows, so they are not directly comparable. The graduation rate is the standard federal headline but tracks only first-time, full-time students through a bachelor's; the all-students completion rate adds the part-time and transfer students it leaves out, over a longer window. Read each for what it covers. Source: U.S. Department of Education, IPEDS Graduation Rates & Outcome Measures, via College Scorecard.

Enrollment & Pipeline

Undergraduate enrollment

151

14th percentile in peer grouppeer median 7,589

2024-2514 peers

Pell recipient share

76.6%

93rd percentile in peer grouppeer median 49.3%

2024-2514 peers

Completion rate (all students · 8-yr)

Below peers

24.1%

29th percentile in peer grouppeer median 29%

2024-2514 peers

Share of ALL entering degree-seeking undergraduates, full- and part-time, first-time and transfer-in, who earned a degree or certificate at this institution within eight years (IPEDS Outcome Measures, via College Scorecard). Broader and more inclusive than the graduation-rate figures, which count only first-time, full-time students entering a bachelor's program, so the two are measured on different groups of students and are not directly comparable.

First-generation students

47%

15th percentile in peer grouppeer median 49.7%

2024-2513 peers

Share of undergraduates who are first-generation college students (College Scorecard, FY2024-25). An access signal, not a measure of quality: a higher share often reflects a stronger commitment to serving students whose parents did not attend college.

Adult learners (25+)

92.9%

79th percentile in peer grouppeer median 86.7%

2024-2514 peers

Share of undergraduates aged 25 or older (College Scorecard, FY2024-25). Read as context on the student mix: schools serving many working adults look different on persistence and part-time measures than traditional-age campuses, and neither is inherently better.

Part-time undergraduates

100%

100th percentile in peer grouppeer median 40.9%

2024-2513 peers

Share of undergraduates enrolled part-time (College Scorecard, FY2024-25). Context, not quality: a high part-time share is common at community and commuter institutions and affects graduation-rate comparisons, which are based only on full-time, first-time students.

Median family income

$10,206

7th percentile in peer grouppeer median $20,000

2024-2514 peers

Median family income of students at this institution (College Scorecard, FY2024-25). An affordability and access signal, not a measure of quality: a lower figure typically means the school enrolls more students from modest-income families.

Low-income students (under $30K)

73.5%

100th percentile in peer grouppeer median 65.7%

2024-2513 peers

Share of students whose families earn under roughly $30,000 a year (College Scorecard, FY2024-25). A direct low-income access signal: a higher share usually reflects a school enrolling more students from modest-income households, and pairs naturally with the Pell recipient share.

Women (share of undergraduates)

53%

29th percentile in peer grouppeer median 65.4%

2024-2514 peers

Share of undergraduates who are women (College Scorecard, FY2024-25). Reported as context on the student mix, not a measure of quality.

8-year completion (all students)

Below peers

24.1%

29th percentile in peer grouppeer median 29%

2024-2514 peers

Share of ALL entering students, full-time and part-time, first-time and transfer-in, who complete an award within eight years (College Scorecard Outcome Measures, FY2024-25). It is a broader, more representative completion signal than the first-time-full-time graduation rates, because it counts the part-time and returning students those rates exclude. Higher is better.

Program concentration (HHI)

Highly concentrated

6,349

2022-23

How concentrated the institution's degree and certificate output is across academic fields (CIP 2-digit families), as a Herfindahl-Hirschman Index on the latest year's completions: 10,000 means every completion is in one field; lower means output is spread across many. A higher value means the school leans on fewer fields and is more exposed to demand shifts in them; a lower value reflects a broad program portfolio. Shown for institutions reporting at least 100 annual completions. A structural-diversification signal, not a measure of quality.

12-month FTE enrollment

417

14th percentile in peer grouppeer median 11,778

2022-2314 peers

Full-time-equivalent enrollment over the full 12-month year (IPEDS 12-month enrollment, 2022-23). Counts part-time students at their fractional load, so it runs above fall full-time headcount and is the denominator used for per-student finance measures.

Student-faculty ratio

11:1

21st percentile in peer grouppeer median 22:1

fall 202314 peers

Students per instructional faculty member (IPEDS, fall 2023). Lower generally means smaller classes and more faculty contact, though the measure mixes undergraduate and graduate teaching and is institution-reported.

Fully online students

100%

100th percentile in peer grouppeer median 100%

2024-2514 peers

Share of students enrolled exclusively in distance-education courses (IPEDS, Fall 2023). Describes delivery model, not quality; online-heavy institutions look different on residential measures.

Applicant-pool diversity shift

+4.9%

WICHE 2024 (11th ed.)

Percentage-point change in the non-white share of the institution's home-state public high-school graduating class between the class of 2025 (the national peak) and 2037 (WICHE, Knocking at the College Door, 11th ed., public-school race detail). A forward look at who the future applicant pool will be: a positive value means the state's graduating class is projected to grow more racially diverse. Strategic recruiting context, not a forecast of any one school's enrollment, and a college recruits from many states.

Hybrid (some online) enrollment

64th percentile in peer grouppeer median 0%

Fall 202314 peers

Share of all students taking some, but not all, of their courses at a distance (IPEDS, Fall 2023). This is the hybrid middle ground between the fully online share and the fully in-person share, and it signals how far a school has moved coursework online without going exclusively remote. Context metric, not better or worse. Banded against the school's peer group.

Transfer-in share (undergraduate)

14th percentile in peer grouppeer median 16%

Fall 202314 peers

Transfer-in students as a share of all undergraduates (IPEDS, Fall 2023). A high share means the school depends on transfer pipelines rather than first-time freshmen, which changes both recruitment strategy and melt/retention risk. Context metric, not better or worse. Banded against the school's peer group.

Graduate share of enrollment

70.9%

71st percentile in peer grouppeer median 30.2%

Fall 202314 peers

Graduate students as a share of total headcount enrollment (IPEDS, Fall 2023). It separates research-intensive universities with large graduate bodies from undergraduate-focused institutions. Context metric, not better or worse. Banded against the school's peer group.

Women share of faculty

62.2%

50th percentile in peer grouppeer median 63%

2023-2414 peers

Women as a share of all instructional staff, full- and part-time combined (IPEDS Human Resources, Fall 2023). A gender-composition signal for the teaching workforce. Context metric, not better or worse. Banded against the school's peer group.

Faculty of color share

51.1%

93rd percentile in peer grouppeer median 29.4%

2023-2414 peers

Instructional staff who are American Indian/Alaska Native, Asian, Black, Hispanic, Native Hawaiian/Pacific Islander, or two-or-more races, as a share of all instructional staff (IPEDS Human Resources, Fall 2023). Nonresident and race-unknown staff are excluded from the numerator. Context metric, not better or worse. Banded against the school's peer group.

Direct competitors within 100 mi

Average

43rd percentile in peer grouppeer median 1

2024-2514 peers

How many institutions of the same type (same Carnegie classification and control, i.e. the schools competing for the same students) sit within roughly 100 miles. A higher count means a more crowded local market and a harder yield fight, which matters most as the regional pool of high school graduates shrinks; a low count means the school has its catchment largely to itself. Distance is straight-line from campus coordinates. Banded against the school's peer group. Fewer is better for recruiting leverage.

Metro-area unemployment rate

Strong

2.1%

7th percentile in peer grouppeer median 4.7%

ACS 2019-2314 peers

The civilian unemployment rate in the school's metropolitan or micropolitan area (US Census ACS 2019-23, mapped by the school's federal CBSA code). It is a proxy for local labor demand: a lower rate means a tighter job market, a stronger near-term destination for graduates and a smaller pool of working adults to recruit. It describes the local economy, not the school. Schools outside any metro area are not scored. Banded against the school's peer group.

Enrollment cliff (home state)

Stable or growing

0.1%

2024-25

Projected change in the number of high-school graduates in the institution's HOME STATE from the class of 2025 (the national peak) to 2041, per WICHE's Knocking at the College Door, 11th Edition (Dec 2024). The 'enrollment cliff' is the post-2008 birth decline reaching college age; the U.S. total is projected to fall about 13% over this window. A college recruits from many states, so its home-state projection is an indicative directional signal of feeder-market pressure, not a forecast of that institution's own enrollment.

In-state HS graduates

10,344

14th percentile in peer grouppeer median 71,488

Class of 2025 (WICHE)14 peers

The size of the school's home-state high-school graduating class in 2025 (WICHE Knocking at the College Door, public and private combined). It is the near-term in-state feeder market, the complement to the enrollment-cliff projection, which shows the direction that market is heading. Context metric, not better or worse. Banded against the school's peer group.

Enrollment momentum (CAGR)

Strong

12%

92nd percentile in peer grouppeer median 2.6%

2024-2513 peers

Compound annual growth rate of undergraduate enrollment over the years the tool tracks (College Scorecard, roughly 2016-2024). Positive means the school is growing; negative means it is shrinking, the leading indicator of demand stress ahead of the demographic cliff. Banded against the school's peer group.

Net-price momentum (CAGR)

Below peers

100th percentile in peer grouppeer median -0.5%

2024-2514 peers

Compound annual growth rate of net tuition revenue per full-time-equivalent student over the tracked years. A high positive rate means the school's real net price is climbing faster than peers, which can strain affordability and yield. Banded against the school's peer group. Lower is better.

Enrollment forecast (5-yr)

Strong

44.8%

93rd percentile in peer grouppeer median -9.1%

2024-2029 projection14 peers

Projected cumulative change in total enrollment roughly five years out, modeled by a least-squares log-linear fit on the school's own enrollment history (2016-2024). It uses the full multi-year series, so a single shock year (such as 2020) does not drive the result. This is a naive trend extrapolation, not a demographic model, and is capped at plus or minus 60 percent; treat it as direction-of-travel, not a precise count. Banded against the school's peer group; higher means projected growth.

Student body

Undergraduate race & ethnicity IPEDS 2024-25

Black32.5%

White25.8%

Hispanic/Latino20.5%

Unknown13.9%

International2.6%

Asian2.0%

American Indian/Alaska Native2.0%

Native Hawaiian/Pacific Islander0.7%

Undergraduate enrollment by race and ethnicity, as reported to IPEDS (College Scorecard). “International” denotes nonresident students; “Unknown” means race/ethnicity was not reported.

Student Outcomes & Risk

3-yr cohort default rate

Below peers

12.1%

71st percentile in peer grouppeer median 11.5%

FY2017 cohort14 peers

Share of borrowers who defaulted within three years of entering repayment (U.S. Dept. of Education official cohort default rate). Shown for the FY2017 borrower cohort, the most recent cohort whose full three-year default window closed before the 2020-23 federal student-loan payment pause. More recent cohorts are reported by the College Scorecard at essentially 0%, but that reflects the payment pause (no payments were due, so almost no one could default), not borrower health, so the pre-pause cohort is the last meaningful reading. Lower is better.

Share taking federal loans

78.7%

100th percentile in peer grouppeer median 58%

2024-2514 peers

Full-time faculty share

Strong

42.4%

83rd percentile in peer grouppeer median 11.7%

2024-2512 peers

Withdrew by year 2

Below peers

60.4%

100th percentile in peer grouppeer median 36.2%

2024-2512 peers

Share of students who had withdrawn from this institution by the end of their second year (College Scorecard, FY2024-25). An early-attrition signal, where lower is better; high part-time or adult-learner enrollment can raise it without reflecting institutional quality.

Median debt (did not complete)

Average

$6,550

42nd percentile in peer grouppeer median $8,689

2024-2512 peers

Median federal loan debt carried by students who withdrew from this institution without completing a credential (College Scorecard, FY2024-25). The counterpart to debt at graduation, and often the higher-risk group: borrowing with no degree to show for it. Lower is better, but compare it against the school's completion and withdrawal rates rather than on its own.

Median debt (Pell recipients)

Strong

$6,739

8th percentile in peer grouppeer median $12,500

2024-2512 peers

Median cumulative federal loan debt carried by Pell Grant recipients (College Scorecard, FY2024-25), the lowest-income federally-aided students at the school. Compare it with the all-students median debt and the Pell share: it shows how much the neediest students borrow to attend. Lower is better.

Field-demand outlook (10-yr)

Below job-market average

+3%

5th percentile in peer group

BLS EP 2024-3413 peers

Projected 10-year (2024-34) change in U.S. employment for the occupations this institution's degrees and certificates feed, blended across its program mix. Built by mapping each CIP 2-digit field to its occupations via the NCES CIP-SOC crosswalk, taking the employment-weighted average of each occupation's BLS-projected percent change, then weighting fields by the institution's latest-year completions. The U.S. all-occupations benchmark is 3.1%, so a higher value means the school's graduates concentrate in faster-growing labor markets. An INDICATIVE field-level signal at broad-field granularity, not a program-specific or graduate-specific projection, and not a placement or earnings guarantee. Shown where at least 50% of completions fall in fields with a coherent occupational mapping and the school reports 100+ annual completions.

Top fields of study (bachelor's)

California Intercontinental University’s largest fields by completions, with graduate earnings (4 years out) and debt benchmarked against the same field at its peer group. Sparklines show the 8-year completions trend.

Field	Completions / yr	Median earnings, 4 yrs out	Median debt	Earnings premium	Risk score
Business, Management & Marketing	6	–	–	–	Low · 0
Computer & Information Sciences	1	–	–	–	High · 97
Health Professions & Clinical Sciences	1	–	–	–	–

Earnings-premium status is an indicative estimate: median graduate earnings four years out vs the SD state median earnings of a high-school graduate (undergraduate credentials) or a bachelor’s-degree holder (graduate credentials) from the U.S. Census Bureau’s American Community Survey (2022 ACS 5-year). The official U.S. Department of Education determination uses its own cohort definition and may differ.

The risk score (0–100) is an indicative blend of earnings-premium margin and the five-year completions trend, higher means a field pays closer to (or below) the benchmark and is shrinking. A directional screen, not an official determination.

Major-level detail (CIP 4-digit)

Business, Management & Marketing – 2 CIP programs (4-digit), 0 with earnings

Major (CIP 4-digit)	Compl./yr	Earn 4yr	Earn 1yr	% > threshold	Median debt	Debt/earn	Earnings premium	2 of 3 yrs
Business Administration, Management and OperationsCIP 5202 ›	5	–	–	–	–	–	–	–
Entrepreneurial and Small Business OperationsCIP 5207 ›	1	–	–	–	–	–	–	–

Major-level earnings, debt and threshold pass-rates are reported by College Scorecard only where enough graduates exist to protect privacy, so 0 of 2 majors show an earnings figure; the rest read “–”. % > threshold is ED’s own share of graduates out-earning the federal earnings threshold (the do-no-harm pass rate), drawn from the best available measurement window (4-, 5- or 1-year) pooled across all nine College Scorecard Field-of-Study releases; a small chip marks any figure not on the 4-year window, and hovering names the cohort size and source release. 2 of 3 yrs flags fields below the earnings-premium benchmark in two of the latest three reported cohort-years, the statutory trigger under the 2025 test (effective July 1, 2026). Indicative; the Department of Education’s official determination may differ. Source: U.S. Department of Education, College Scorecard Field of Study (2014–15 through 2022–23 cohorts + most-recent snapshot), accessed March 2026.

Computer & Information Sciences – 1 CIP program (4-digit), 0 with earnings

Major (CIP 4-digit)	Compl./yr	Earn 4yr	Earn 1yr	% > threshold	Median debt	Debt/earn	Earnings premium	2 of 3 yrs
Computer/Information Technology Administration and ManagementCIP 1110 ›	1	–	–	–	–	–	–	–

Major-level earnings, debt and threshold pass-rates are reported by College Scorecard only where enough graduates exist to protect privacy, so 0 of 1 major shows an earnings figure; the rest read “–”. % > threshold is ED’s own share of graduates out-earning the federal earnings threshold (the do-no-harm pass rate), drawn from the best available measurement window (4-, 5- or 1-year) pooled across all nine College Scorecard Field-of-Study releases; a small chip marks any figure not on the 4-year window, and hovering names the cohort size and source release. 2 of 3 yrs flags fields below the earnings-premium benchmark in two of the latest three reported cohort-years, the statutory trigger under the 2025 test (effective July 1, 2026). Indicative; the Department of Education’s official determination may differ. Source: U.S. Department of Education, College Scorecard Field of Study (2014–15 through 2022–23 cohorts + most-recent snapshot), accessed March 2026.

Health Professions & Clinical Sciences – 1 CIP program (4-digit), 0 with earnings

Major (CIP 4-digit)	Compl./yr	Earn 4yr	Earn 1yr	% > threshold	Median debt	Debt/earn	Earnings premium	2 of 3 yrs
Health and Medical Administrative ServicesCIP 5107 ›	1	–	–	–	–	–	–	–

See the interactive dashboard for all fields and credential levels (associate through doctoral). Source: College Scorecard Field of Study.

Frequently asked

What is California Intercontinental University's student-faculty ratio?

California Intercontinental University reports a student-faculty ratio of 11:1 (IPEDS, fall 2023) – that is, about 11 students for every instructional faculty member.

Which schools are California Intercontinental University's peers?

California Intercontinental University is benchmarked against 14 institutions in the Doctoral/Professional University · Private for-profit peer group; all percentiles and medians on this page are computed within that group.

Compare with peers

University of Management and Technology Taft University System Alliant International University-San Diego South University-Columbia National American University-Rapid City South University-Savannah Online

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Source: U.S. Department of Education, College Scorecard & IPEDS (most recent releases), with the U.S. Census Bureau (ACS), the U.S. Bureau of Labor Statistics (Employment Projections, field-demand outlook) and WICHE (enrollment-cliff projections). Figures lag the current academic year by roughly two to three years. Percentiles and medians are computed within the institution's peer group. Financial Resilience is a transparent composite, see each component above. Compiled by Ibex Insights.