BlastPoint's Credit Union Scorecard
CACL
Charter #8523 · PA
CACL has 6 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 50.0% in tier
- + Organic Growth Engine: Top 50.0% in tier
- + Wallet Share Momentum: Top 50.0% in tier
- + Net Interest Margin 0.14% above tier average
- + Loan-to-Share Ratio: Top 6.4% in tier
- + Loan Growth Rate: Top 7.4% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 50.0% in tier
- - Liquidity Strain: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Delinquency rate 0.08% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
17,024
+3.8% YoY+1.1% QoQ
|
+1.9K |
15,145
-2.5% YoY
|
18,228
+6.1% YoY
|
33,913
+5.7% YoY
|
66% |
| Assets |
$250.8M
+9.8% YoY+2.9% QoQ
|
+$19.0M |
$231.7M
+0.8% YoY
|
$307.3M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
63% |
| Loans |
$209.6M
+14.3% YoY+2.7% QoQ
|
+$65.5M |
$144.1M
+0.2% YoY
|
$202.4M
+9.8% YoY
|
$402.4M
+8.7% YoY
|
79% |
| Deposits |
$225.8M
+9.5% YoY+3.0% QoQ
|
+$24.6M |
$201.1M
+0.4% YoY
|
$264.3M
+10.7% YoY
|
$494.3M
+9.1% YoY
|
64% |
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| ROA |
0.7%
+381.1% YoY-7.1% QoQ
|
+0.0% |
0.7%
+5.1% YoY
|
0.8%
+3.2% YoY
|
0.4%
-39.2% YoY
|
54% |
| NIM |
3.8%
+5.5% YoY-4.5% QoQ
|
+0.1% |
3.6%
+4.6% YoY
|
3.5%
+3.1% YoY
|
3.8%
+4.1% YoY
|
61% |
| Efficiency Ratio |
75.2%
-9.8% YoY+5.6% QoQ
|
-2.9% |
78.0%
-1.7% YoY
|
78.0%
-8.8% YoY
|
84.6%
+2.8% YoY
|
38% |
| Delinquency Rate |
0.9%
+19.6% YoY+15.9% QoQ
|
+0.1 |
0.8%
+7.1% YoY
|
1.2%
-7.0% YoY
|
1.2%
+3.4% YoY
|
68% |
| Loan To Share |
92.8%
+4.4% YoY-0.3% QoQ
|
+22.4% |
70.4%
-0.4% YoY
|
52.5%
-2.7% YoY
|
65.6%
-1.4% YoY
|
Top 6.5% in tier |
| AMR |
$25,576
+7.6% YoY+1.8% QoQ
|
+$658 |
$24,918
+2.7% YoY
|
$16,757
+3.3% YoY
|
$19,920
+1.6% YoY
|
65% |
| CD Concentration |
31.0%
+6.8% YoY-2.7% QoQ
|
+6.8% | 24.3% | 15.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.3% | 7.7% | 50% |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)