BlastPoint's Credit Union Scorecard
CAL-ED
Charter #13503 · PA
CAL-ED has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + AMR Growth Rate: Top 4.1% in tier
Key Concerns
Areas that may need attention
- - ROA 1.46% below tier average
- - Efficiency ratio 12.04% above tier (higher cost structure)
- - Delinquency rate 1.95% above tier average
- - Member decline: -18.5% YoY
- - Member Growth Rate: Bottom 2.1% in tier
- - First Mortgage Concentration (%): Bottom 4.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.5% in tier
- - Loan-to-Share Ratio: Bottom 9.6% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 183 that size in Pennsylvania.
- Shares and deposits -4.4% year over year ($16.4M in shares and deposits).
- Membership: 3,119 members, -18.5% vs a year ago.
- Delinquency rate 3.50%.
- Return on assets 0.04%.
- Efficiency ratio 100.80% vs a 88.77% peer average.
- Loan-to-share ratio 28.14% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,119
-18.5% YoY-3.0% QoQ
|
+533 |
2,585
-1.7% YoY
|
18,280
+5.8% YoY
|
34,678
+6.6% YoY
|
70% |
| Assets |
$19.2M
-4.0% YoY+1.0% QoQ
|
$-11.1M |
$30.3M
+1.5% YoY
|
$308.6M
+9.9% YoY
|
$593.1M
+10.2% YoY
|
47% |
| Loans |
$4.6M
-5.5% YoY+1.3% QoQ
|
$-10.9M |
$15.5M
-1.7% YoY
|
$207.1M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
32% |
| Deposits |
$16.4M
-4.4% YoY+1.5% QoQ
|
$-9.4M |
$25.8M
+1.1% YoY
|
$264.2M
+9.3% YoY
|
$504.8M
+10.3% YoY
|
47% |
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| ROA |
0.0%
-88.9% YoY
|
-1.5% |
1.5%
+241.5% YoY
|
1.0%
+23.3% YoY
|
1.2%
+121.4% YoY
|
Bottom 2.5% in tier |
| NIM |
3.9%
-2.6% YoY-0.7% QoQ
|
+0.0% |
3.9%
+0.9% YoY
|
3.5%
+2.1% YoY
|
3.8%
+2.3% YoY
|
51% |
| Efficiency Ratio |
100.8%
+8.6% YoY+1.7% QoQ
|
+12.0% |
88.8%
-6.9% YoY
|
76.6%
-2.6% YoY
|
83.0%
-5.3% YoY
|
Bottom 12.9% in tier |
| Delinquency Rate |
3.5%
-67.5% YoY-6.0% QoQ
|
+1.9 |
1.5%
+2.1% YoY
|
1.2%
-8.4% YoY
|
1.3%
+2.6% YoY
|
Bottom 10.9% in tier |
| Loan To Share |
28.1%
-1.2% YoY-0.2% QoQ
|
-30.8% |
58.9%
-3.1% YoY
|
53.4%
-2.0% YoY
|
66.4%
-1.4% YoY
|
Bottom 9.5% in tier |
| AMR |
$6,725
+17.0% YoY+4.6% QoQ
|
$-8K |
$14,963
-6.8% YoY
|
$16,967
+3.7% YoY
|
$20,028
-0.9% YoY
|
Bottom 13.8% in tier |
| CD Concentration |
17.1%
-1.2% YoY-2.9% QoQ
|
-7.4% | 24.6% | 15.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 8.4% | 7.7% | 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)