CACL
Charter #8523 · Pottsville, PA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 2.28% sits at the 90th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.55% sits at the 80th percentile of structural peers — worth a closer look.
- Efficiency ratio of 75.16% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- On Net worth ratio, the asset-size band puts this credit union at the 21st percentile but its structural peers at the 41st — a 20-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | CACL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $250.76M | 63th pct | 44th pct |
| Members | 17,024 | 66th pct | 61th pct |
| Net worth ratio | 9.54% | 21th pct | 41th pct |
| Return on average assets | 0.74% | 54th pct | 56th pct |
| Net interest margin | 3.83% | 62th pct | 59th pct |
| Cost of funds | 2.28% | 94th pct | 90th pct |
| Loan-to-share | 92.85% | 94th pct | 74th pct |
| Delinquency 60+ days | 0.86% | 68th pct | 72th pct |
| Net charge-off ratio | 0.55% | 69th pct | 80th pct |
| Loan growth YoY | 5.27% | 88th pct | 82th pct |
| Share growth YoY | 5.33% | 74th pct | 69th pct |
| Efficiency ratio | 75.16% | 38th pct | 21th pct |
structural peer set hash: 96494e62faa335f2f624999c0503af0c… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.