Federal credit union · Pottsville, Pennsylvania · NCUA charter #8523
CACL
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $243.6M
- Total assets
- 16,847
- Members
- 9.5%
- Net-worth ratio
CACL scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $243.6M; members 16,847; net-worth ratio 9.54%; health rank #548 of 4,374; healthier than 87th of scored peers.
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CACL vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); CACL sits in 90-94 with 747 others.
94 Top 13% higher than 87% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Where CACL diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +20.95 pp (93.15% vs 72.20%).
- Largest lag: Net Worth Ratio at 9.54% vs peer 12.11% (-2.57 pp).
Pennsylvania standing for CACL
- In Pennsylvania, health place is #26 of 275 on the same NCUA-ratio sort used nationally.
- By total assets, CACL is #43 of 275 in Pennsylvania.
- Member book place in Pennsylvania: #42 of 275.
- One place up in Pennsylvania, First Capital (#25) ties at 94/100; one place down, FINANTA (#27) scores 93/100, 1 point lower.
How CACL's 5300 filing moved
CACL: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.9% from $243.6M (2025Q4) to $250.8M (2026Q1).
- Net-worth ratio shifted -0.42 pp (9.96% → 9.54%).
At 9.54%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 94/100 score is built
CACL gives up 6 points in total. Delinquency Rate costs the most, 2.4 of its 25; Return on Assets scores full marks.
- Net Worth Ratio 28.8 pts
- Delinquency Rate 22.6 pts
- Return on Assets 15.0 pts
- Member Growth 13.9 pts
- Loan-to-Share Ratio 13.7 pts
Call Report ratios for CACL
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.54% | -2.57 pp |
| Delinquency Rate | 0.74% | -0.16 pp |
| Return on Assets | 0.73% | +0.10 pp |
| Member Growth | 4.11% | - |
| Loan-to-Share Ratio | 93.15% | +20.95 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
CACL quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $250.8M | - |
| 2025Q4 | $243.6M | 16,847 |
| 2024Q4 | $222.4M | 16,182 |
| 2023Q4 | $200.9M | 15,485 |
Credit Union Details
- Charter Number
- 8523
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Pennsylvania
- City
- Pottsville
- Data Quarter
- 2025Q4
Branch Locations (4)
CACL operates 4 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Pottsville, PA |
| Loan Department | Pottsville, PA |
| St Clair Branch | Pottsville, PA |
| Route 183 Branch | Schuylkill Haven, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
More federally-insured credit unions based in Pennsylvania, ordered by peer group match and asset size.
Cross-state Call Report peers for CACL
Using this data
- CACL ranks #548 of 4,374 nationally on financial health and #26 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- MC is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with MC
Frequently Asked Questions
Is CACL financially healthy?
CACL has a financial health score of 94/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #548 of 4,374 nationally on health and #26 of 275 in Pennsylvania. Its net worth ratio is 9.54% and its delinquency rate 0.74%.
How does CACL compare to other credit unions?
CACL scores 94/100, higher than 87% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (93.15% vs 72.20%). Its widest shortfall is net worth ratio (9.54% vs 12.11%).
How can I join CACL?
CACL operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact CACL directly for the exact boundaries and application steps.
Is my money safe at CACL?
CACL is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. CACL's net worth ratio of 9.54% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.