BlastPoint's Credit Union Scorecard
CACL
Charter #8523 · PA
CACL has 10 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 20.4% in tier
- + Organic Growth Leader: Top 28.7% in tier
- + Wallet Share Momentum: Top 32.6% in tier
- + Emerging Performer: Top 59.1% in tier
- + ROA 0.03% above tier average
- + Net Interest Margin 0.35% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 6.5% in tier
- + Deposit Growth Rate: Top 7.7% in tier
- + Loan-to-Share Ratio: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 38.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
16,847
+4.1% YoY+0.5% QoQ
|
+1.4K |
15,437
-2.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
65% |
| Assets |
$243.6M
+9.6% YoY+2.4% QoQ
|
+$11.8M |
$231.9M
+1.3% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
62% |
| Loans |
$204.2M
+15.9% YoY+2.5% QoQ
|
+$56.9M |
$147.3M
-0.1% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
76% |
| Deposits |
$219.2M
+11.8% YoY+2.3% QoQ
|
+$18.4M |
$200.8M
+0.8% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
63% |
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| ROA |
0.8%
-3.4% YoY+28.3% QoQ
|
+0.0% |
0.8%
+18.2% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
53% |
| NIM |
4.0%
+1.7% YoY-0.9% QoQ
|
+0.3% |
3.6%
+6.7% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
70% |
| Efficiency Ratio |
71.2%
-0.4% YoY-5.3% QoQ
|
-5.9% |
77.0%
-3.1% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
28% |
| Delinquency Rate |
0.7%
-26.6% YoY-2.3% QoQ
|
-0.2 |
0.9%
+4.2% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
52% |
| Loan To Share |
93.2%
+3.7% YoY+0.3% QoQ
|
+20.9% |
72.2%
-1.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
Top 9.3% in tier |
| AMR |
$25,133
+9.3% YoY+1.9% QoQ
|
+$457 |
$24,676
+3.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
63% |
| CD Concentration |
31.9%
+6.7% YoY+1.4% QoQ
|
+7.5% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.1% | 7.8% | 50% |
Signature Analysis
Strengths (4)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (1)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)