BlastPoint's Credit Union Scorecard
CAL-ED
Charter #13503 ยท PA
2596 CUs in <100M nationally
198 in PA
CAL-ED has 4 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.22% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 0.8% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.96% below tier average
- - Efficiency ratio 9.63% above tier (higher cost structure)
- - Delinquency rate 3.39% above tier average
- - Member decline: -36.1% YoY
- - Member Growth Rate: Bottom 0.9% in tier
- - First Mortgage Concentration (%): Bottom 3.8% in tier
- - Total Delinquency Rate (60+ days): Bottom 6.4% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.5% in tier
- - Loan-to-Share Ratio: Bottom 9.4% in tier
- - Asset Growth Rate: Bottom 9.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,238
-36.1% YoY-15.4% QoQ
|
+612 |
2,625
-2.2% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
70% |
| Assets |
$19.1M
-7.0% YoY-4.1% QoQ
|
$-10.7M |
$29.9M
+1.1% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
47% |
| Loans |
$4.7M
-12.2% YoY-3.2% QoQ
|
$-11.1M |
$15.8M
-2.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
33% |
| Deposits |
$16.2M
-7.5% YoY-5.1% QoQ
|
$-9.2M |
$25.5M
+0.4% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
47% |
| ROA |
-0.3%
-162.4% YoY-186.3% QoQ
|
-1.0% |
0.7%
-731.4% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
Bottom 11.2% in tier |
| NIM |
4.2%
-2.4% YoY+4.1% QoQ
|
+0.2% |
3.9%
+3.8% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
60% |
| Efficiency Ratio |
91.0%
-2.9% YoY-1.9% QoQ
|
+9.6% |
81.4%
-2.4% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
78% |
| Delinquency Rate |
4.9%
-52.0% YoY-54.4% QoQ
|
+3.4 |
1.5%
-2.0% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
Top 6.4% in tier |
| Loan To Share |
29.0%
-5.1% YoY+2.0% QoQ
|
-32.2% |
61.2%
-3.0% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 9.2% in tier |
| AMR |
$6,474
+43.0% YoY+12.6% QoQ
|
$-8K |
$14,627
-2.7% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
Bottom 13.3% in tier |
| CD Concentration |
18.1%
-0.0% YoY+4.2% QoQ
|
-6.4% |
24.4%
+4.2% YoY
|
15.5%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
8.0%
+2.0% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (4 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
21
AMR Growth Rate
growth
Value:
43.01%
Peer Avg: 4.67%
#21 of 2596
Top 0.8% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
490
Members Per Employee (MPE)
engagement
Value:
462.571
Peer Avg: 365.701
#490 of 2596
Top 18.8% in <100M tier
Top Weaknesses (11 metrics)
2574
Member Growth Rate
growth
Value:
-36.07%
Peer Avg: 14.92%
#2574 of 2596
Bottom 0.9% in <100M tier
2498
First Mortgage Concentration (%)
balance_sheet
Value:
60.25%
Peer Avg: 14.49%
#2498 of 2596
Bottom 3.8% in <100M tier
2432
Total Delinquency Rate (60+ days)
risk
Value:
4.90%
Peer Avg: 1.51%
#2432 of 2596
Bottom 6.4% in <100M tier
2376
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,457
Peer Avg: $5,488
#2376 of 2596
Bottom 8.5% in <100M tier
2354
Loan-to-Share Ratio
balance_sheet
Value:
29.04%
Peer Avg: 61.23%
#2354 of 2596
Bottom 9.4% in <100M tier
2348
Asset Growth Rate
growth
Value:
-6.98%
Peer Avg: 1.82%
#2348 of 2596
Bottom 9.6% in <100M tier
2310
Deposit Growth Rate
growth
Value:
-7.47%
Peer Avg: 16.80%
#2310 of 2596
Bottom 11.1% in <100M tier
2306
Return on Assets (ROA)
profitability
Value:
-0.27%
Peer Avg: 0.68%
#2306 of 2596
Bottom 11.2% in <100M tier
2251
Average Member Relationship (AMR)
engagement
Value:
$6,474
Peer Avg: $14,627
#2251 of 2596
Bottom 13.3% in <100M tier
2176
Loan Growth Rate
growth
Value:
-12.16%
Peer Avg: 59.01%
#2176 of 2596
Bottom 16.2% in <100M tier