CACL Federal Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 0.7 has resulted in Good (6.4) profitability.
Other Rating Factors:
A current level of 8.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.1). Good current capitalization (6.9 on a scale of 0 to 10) based on a net capital to total assets of 9.4 and a net worth ratio of 9.5.
Asset Mix:
Home mtgs (25%), consumer loans (22%), comm loans (9%), other (44%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
1800 West Market Street
Pottsville, PA 17901
Pottsville, PA 17901
Phone Number
(570) 628-2400
NCUA Charter Number
Website
Largest Competitors
Philadelphia, PA
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Pottsville, PA