Cacl
Pottsville, PA · Charter 8523 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
$255.7MAssets
$216.4MLoans
$230.1MShares
$25.7MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 83% of credit unions under $1B in assets (rank 287 of 1681).
- Widest gap: equity / assets trails 79% of credit unions under $1B in assets (rank 1335 of 1683).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
1.00%
Rank 594 of 1,683
Net Interest Margin
4.13%
Rank 577 of 1,683
Efficiency Ratio
68.70%
Rank 413 of 1,682
Equity / Assets
10.05%
Rank 1,335 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.00% | 0.35% | 0.74% | 1.18% | Beats 65% | 594 / 1,683 | |
| Return on Equity | 9.94% | 2.67% | 5.89% | 8.74% | Beats 83% | 287 / 1,681 | |
| Net Interest Margin | 4.13% | 3.31% | 3.82% | 4.32% | Beats 66% | 577 / 1,683 | |
| Efficiency Ratio | 68.70% | 68.91% | 78.20% | 86.93% | Beats 76% | 413 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.73% | 0.26% | 0.65% | 1.29% | Beats 46% | 904 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.05% | 10.44% | 12.89% | 16.53% | Beats 21% | 1,335 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.05% | 10.44% | 12.89% | 16.53% | Beats 21% | 1,335 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 94.05% | 52.61% | 69.38% | 83.50% | 92nd pctl | 133 / 1,683 | |
| Loans / Assets | 84.62% | 44.71% | 59.18% | 70.72% | 97th pctl | 49 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |