BlastPoint's Credit Union Scorecard
CAL-ED
Charter #13503 · PA
CAL-ED has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.31% above tier average
- + AMR Growth Rate: Top 5.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.87% below tier average
- - Efficiency ratio 11.50% above tier (higher cost structure)
- - Delinquency rate 2.55% above tier average
- - Member decline: -19.4% YoY
- - Member Growth Rate: Bottom 1.9% in tier
- - First Mortgage Concentration (%): Bottom 4.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.1% in tier
- - Total Delinquency Rate (60+ days): Bottom 8.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,217
-19.4% YoY-0.6% QoQ
|
+601 |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
70% |
| Assets |
$18.9M
-6.5% YoY-1.3% QoQ
|
$-11.3M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
47% |
| Loans |
$4.6M
-10.9% YoY-1.8% QoQ
|
$-11.1M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
32% |
| Deposits |
$16.0M
-7.2% YoY-1.4% QoQ
|
$-9.7M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
47% |
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| ROA |
-0.2%
+19.7% YoY-9.1% QoQ
|
-0.9% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 11.7% in tier |
| NIM |
4.3%
+14.6% YoY+2.8% QoQ
|
+0.3% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
65% |
| Efficiency Ratio |
94.1%
-12.8% YoY+3.3% QoQ
|
+11.5% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
82% |
| Delinquency Rate |
4.1%
-62.3% YoY-16.2% QoQ
|
+2.6 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
Bottom 8.3% in tier |
| Loan To Share |
28.9%
-4.0% YoY-0.4% QoQ
|
-31.7% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
Bottom 9.4% in tier |
| AMR |
$6,421
+14.0% YoY-0.8% QoQ
|
$-8K |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 13.0% in tier |
| CD Concentration |
18.3%
+7.2% YoY+1.4% QoQ
|
-6.1% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)