BlastPoint's Credit Union Scorecard

CACL

Charter #8523 · PA

100M-500M

1024 CUs in 100M-500M nationally 62 in PA

CACL has 8 strengths but faces 3 concerns

National Analysis

How does the industry compare?

PA Analysis

How does PA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 0.15% above tier average
+ Net Interest Margin 0.48% above tier average
+ Deposit Growth Rate: Top 5.5% in tier
+ Asset Growth Rate: Top 6.4% in tier
+ Loan-to-Share Ratio: Top 7.2% 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

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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 62 that size in Pennsylvania.
Shares and deposits +11.5% year over year ($230M in shares and deposits).
Membership: 17,162 members, +3.8% vs a year ago.
Delinquency rate 0.73%.
Return on assets 1.01%.
Efficiency ratio 68.70% vs a 76.73% peer average.
Loan-to-share ratio 94.05% vs a 71.54% 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	17,162 +3.8% YoY+0.8% QoQ	+2.0K	15,168 -2.6% YoY	18,280 +5.8% YoY	34,678 +6.6% YoY	67%
Assets	$255.7M +11.1% YoY+2.0% QoQ	+$23.7M	$232.0M +0.7% YoY	$308.6M +9.9% YoY	$593.1M +10.2% YoY	64%
Loans	$216.4M +12.2% YoY+3.2% QoQ	+$70.2M	$146.3M +0.2% YoY	$207.1M +9.1% YoY	$418.6M +10.1% YoY	80%
Deposits	$230.1M +11.5% YoY+1.9% QoQ	+$29.4M	$200.7M +0.2% YoY	$264.2M +9.3% YoY	$504.8M +10.3% YoY	66%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.0% +201.9% YoY+37.5% QoQ	+0.1%	0.9% +12.5% YoY	1.0% +23.3% YoY	1.2% +121.4% YoY	65%
NIM	4.2% +6.7% YoY+10.4% QoQ	+0.5%	3.7% +4.5% YoY	3.5% +2.1% YoY	3.8% +2.3% YoY	79%
Efficiency Ratio	68.7% -14.1% YoY-8.6% QoQ	-8.0%	76.7% -0.8% YoY	76.6% -2.6% YoY	83.0% -5.3% YoY	23%
Delinquency Rate	0.7% +27.9% YoY-14.7% QoQ	-0.2	0.9% +6.6% YoY	1.2% -8.4% YoY	1.3% +2.6% YoY	52%
Loan To Share	94.0% +0.7% YoY+1.3% QoQ	+22.5%	71.5% -0.3% YoY	53.4% -2.0% YoY	66.4% -1.4% YoY	Top 7.3% in tier
AMR	$26,019 +7.8% YoY+1.7% QoQ	+$913	$25,107 +3.2% YoY	$16,967 +3.7% YoY	$20,028 -0.9% YoY	66%
CD Concentration	30.5% +2.7% YoY-1.7% QoQ	+6.0%	24.6%	15.6%	20.0%	50%
Indirect Auto %	0.0%	-13.6%	13.6%	8.4%	7.7%	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#77 of 344 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.76%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 1.01%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

344 of 1024 Mid-Small & Community CUs have this signature | 490 nationally

↓ Shrinking -271 CUs YoY | Rank improving

Organic Growth Leader

growth

#104 of 342 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 3.76%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

342 of 1024 Mid-Small & Community CUs have this signature | 485 nationally

↓ Shrinking -91 CUs YoY | Rank improving

Wallet Share Momentum

growth

#224 of 483 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 7.81%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | Rank worsening

Concerns (3)

Credit Risk Growth

risk

#111 of 472 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 12.24%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.16% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | New qualifier

Liquidity Strain

risk

#74 of 224 • Bottom 50.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 94.05%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 12.24%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

224 of 1024 Mid-Small & Community CUs have this signature | 432 nationally

↓ Shrinking -11 CUs YoY | Rank improving

Credit Quality Pressure

risk

#390 of 693 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.16% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | New qualifier

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)

Compare against:

Comparing against 1024 peers in tier

Top Strengths (11 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.15%

#1 of 1024 Top 0.1% in 100M-500M tier

Deposit Growth Rate

growth

Value: 11.51%

Peer Median: 3.58%

#57 of 1024 Top 5.5% in 100M-500M tier

Asset Growth Rate

growth

Value: 11.06%

Peer Median: 4.12%

#67 of 1024 Top 6.4% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 94.05%

Peer Median: 73.07%

#75 of 1024 Top 7.2% in 100M-500M tier

120

Loan Growth Rate

growth

Value: 12.24%

Peer Median: 3.02%

#120 of 1024 Top 11.6% in 100M-500M tier

144

Member Growth Rate

growth

Value: 3.76%

Peer Median: -0.03%

#144 of 1024 Top 14.0% in 100M-500M tier

173

AMR Growth Rate

growth

Value: 7.81%

Peer Median: 3.53%

#173 of 1024 Top 16.8% in 100M-500M tier

205

Total Loans

balance_sheet

Value: $216.42M

Peer Median: $124.04M

#205 of 1024 Top 19.9% in 100M-500M tier

218

Net Interest Margin (NIM)

profitability

Value: 4.17%

Peer Median: 3.67%

#218 of 1024 Top 21.2% in 100M-500M tier

218

Loan-to-Member Ratio (LMR)

engagement

Value: $12,611

Peer Median: $9,434

#218 of 1024 Top 21.2% in 100M-500M tier

Top Weaknesses (1 metrics)

849

Net Charge-Off Rate

risk

Value: 0.74%

Peer Median: 0.34%

#849 of 1024 Bottom 17.2% in 100M-500M tier