Cacl

Pottsville, PA · 1 · Charter #8523 · www.caclfcu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$243.6M
98th percentile
Members
16,847
94th percentile
Total loans
$204.2M
100th percentile
Total shares
$214.7M
99th percentile

Profitability

Return on assets
1.40%
72th percentile
Net interest margin
3.91%
64th percentile
Efficiency ratio
50.09%
83th percentile
Non-interest income ratio
14.75%
37th percentile

Capital & Risk

Net worth ratio
9.98%
23th percentile
Delinquency rate
0.74%
49th percentile
Net charge-off rate
0.74%
18th percentile
Loan-to-share
95.11%
92th percentile

Growth

Member growth YoY
4.11%
90th percentile
Asset growth YoY
9.55%
86th percentile
Loan growth YoY
15.95%
95th percentile
Share growth YoY
12.13%
92th percentile

Operations

Members / branch
4,212
73th percentile
Assets / member
$14,461
50th percentile
Field of membership penetration
11.76%
61th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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