# CACL
Pottsville, PA · NCUA charter 8523 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/cacl-8523

Who the members are: federal charter, community charter, organized 1953. 17,024 members of 143,049 potential (11.9% of the field); checking penetration 64% (share draft accounts per 100 members); loans per 100 members 139.

**Verdict on the desk:** this could be *ordinary*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $250.8M |
| Members | 17,024 (3.8% YoY) |
| Full-time staff | 53 |
| Net worth | $23.9M |
| Net worth ratio | 9.5% (p24 of band) |
| ROA (annualized) | 0.73% (p54 of band) |
| Total delinquency | 0.86% (p71 of band) |
| Net charge-offs (annualized) | 0.54% (p67 of band) |
| Loans / shares | 93% (p93 of band) |
| Cash / assets | 4.0% |
| Borrowings / assets | 0.06% |
| Net interest margin | 3.77% (p64 of band) |
| Operating expense / assets | 3.76% (p52 of band) |
| Vehicles % of loans | 21% (p24 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 25% (p32 of band) |
| Vehicle delinquency | 0.85% (p69 of band) |
| Vehicle NCO | 1.87% (p88 of band) |
| Repossessed % of vehicle book | 0.44% (p94 of band) |
| Real estate % of loans | 58% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 84% |
| Core shares % of member funds | 35% |
| Certificates % of member funds | 31% |
| Average share balance | $6,623 |
| Participations bought / yr | $10.9M |
| Participations sold / yr | $0 |
| Participations outstanding | $21.9M |
| Loans outstanding per 100 members | 139% |
| Loans granted per 100 members, annualized | 66% |
| Average loan balance | $8,838 |
| Loans granted, annualized | $52.1M |

## Participation posture (from the same filings)

Bought $10.9M and sold $0 in the latest annualized quarter; $21.9M outstanding purchased (91.6% of net worth), $307,489 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 9.5% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **repo signal** (`aq_repo`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | repo signal |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | delinquency 2x band |  |
| 2017-03 | 2 | net worth falling | delinquency 2x band |
| 2017-06 | 1 |  | net worth falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | repo signal |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | repo signal |  |
| 2018-09 | 2 | loans>95% of shares |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 1 |  | loans>95% of shares |
| 2019-06 | 2 | delinquency 2x band |  |
| 2019-09 | 1 |  | delinquency 2x band |
| 2019-12 | 2 | delinquency 2x band |  |
| 2020-03 | 3 | net worth falling, margin squeeze | delinquency 2x band |
| 2020-06 | 3 |  |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 | thin capital, delinquency 2x band | repo signal, margin squeeze |
| 2021-06 | 1 |  | net worth falling, thin capital |
| 2021-09 | 2 | delinquency rising |  |
| 2021-12 | 1 |  | delinquency rising |
| 2022-03 | 3 | delinquency rising, repo signal |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 3 | charge-offs p90 | delinquency rising |
| 2022-12 | 4 | delinquency rising |  |
| 2023-03 | 3 |  | delinquency rising |
| 2023-06 | 4 | net worth falling |  |
| 2023-09 | 3 |  | net worth falling |
| 2023-12 | 3 |  |  |
| 2024-03 | 4 | assets shrinking |  |
| 2024-06 | 4 |  |  |
| 2024-09 | 3 | net worth falling | charge-offs p90, assets shrinking |
| 2024-12 | 3 | charge-offs p90 | delinquency 2x band |
| 2025-03 | 2 |  | charge-offs p90 |
| 2025-06 | 1 |  | net worth falling |
| 2025-09 | 0 |  | repo signal |
| 2025-12 | 1 | net worth falling |  |
| 2026-03 | 2 | repo signal |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2020-08-14 [Ribbon Cutting for CACL Financial - Pottsville Republican Herald](https://news.google.com/rss/articles/CBMihAFBVV95cUxQUFcybFlLb3V5RENqVkVOc1FIeGFpaTlpWnMzS0NuUmJ6Y0ladmV3NGQ1ZzZ2NmxkVThFTFlYZ1lGUDRiTkQybzVuMExpVV8yQ2hmLU1vdDlYUnBtb0h4SXVyME0zUWo5blNxTnhvay12dUprWTViZVUtdVBBWnJhZmwzZzc?oc=5) · Pottsville Republican Herald
- 2024-08-23 [William J. Cerullo Obituary Jan 15, 2009 - Heffner Crematory & Funeral Chapels](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE44RERGT0djNnB1MXBlVC1ZY1N2OEFUNk5Cbk8tSzJLZW9QMHpzWDdBemZURC1JV19kVXdqazJaRDlHamdFQXdyZXRtbi1TN2NWdlhBaEdoMW84aFowZ08xWkRXalczajg?oc=5) · Heffner Crematory & Funeral Chapels
- 2020-09-21 [The ‘Best Places to Work’ in Pa.: Is your company on the list? - PennLive.com](https://news.google.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?oc=5) · PennLive.com
- 2022-11-06 [Ronald Mercuri Obituary (1962 - 2022) - Pottsville, PA - Republican & Herald - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxQT2s5NjhEbTdhYzU5Mk9fd1lITFc0RHZHNlJ0Tm9PWlAzS2dUbkc1bmhBS2FOZlNyMkVlWDhWR0lJWTUtWlUtNjFGOTlDSEpSei1wSklNWWtkb29sQlVsM3R5V241NjJYa3RiWFFDQV83ek05bExZYTJLTkRhdWlyR3cwVFBIb3lyaGdaaDA0OU04UQ?oc=5) · legacy.com
- 2017-04-19 [Sophisticated Skimmer Devices Found Inside Gas Station Pumps - WNEP](https://news.google.com/rss/articles/CBMi8AFBVV95cUxOQ2FsdXRNVWNqMGRpRm5hZk94ZHlLMXdsOHBwUURIOXpCNnFEYUVwNjFLQ0FPT0hTQWh4UHJiNFhsNGxWTk9FTkxrcjRERnI1MkZTSUlLYWpxcWJ1WnptTXNXVGdwTW9mZDhDcW5JRm9pTWNTMy1JalZvSHh3M2YxX2lISktEcVYyQ0tNdFNoV1pzVnVZOVF6SGFPWjhqT1k1bC1LeTIwb21MbVVFVmFwS2U4clVqMW9Ea1p5NnpGa3JzR2xzYVN4MHF5T3l6ZjBBYmVnZzJSeC1GVDM0dl9FWUJNTmFlQ1NRRzFBX3Vnbjc?oc=5) · WNEP
- 2024-01-09 [Fayash re-elected chairman of Schuylkill board - Times News Online](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQODdOckdwcWZFaWd4UlIxcjdKc1VoNFd4cDljS0RyRXpBaGVXT3pmaHI3eTBaMklhYmwwYmNIekJ3Y0VGOWoyb1l3TTRvblNwWUEyMGtXY0ZweDZydTlNSktzenlZUnlqcEVPUDRXUUNhM19JZno2STBwbkM3bnRvX2hfc2ExMnpm?oc=5) · Times News Online
- 2024-11-13 [Elizabeth Ryan Obituary - Pottsville - Pottsville Republican Herald](https://news.google.com/rss/articles/CBMifkFVX3lxTFBfajJBaVg5ZlFENHhPczdzdGNPTl9FUDEyeXMzSU51czlFeWZlNWxSVVZKZEVDMnJ6VG1yelVKLVBSMG1kY3RHcUdkM0lfWG1vRTJYVkRtdkhNZWNXWnNXcERSZ3BQci1weDE2S0VZdm8zNTNNVUhuT0x1a1Zodw?oc=5) · Pottsville Republican Herald
- 2020-12-04 [The 100 ‘Best Places to Work’ in Pa. (ranked): Is your company on the list? - PennLive.com](https://news.google.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?oc=5) · PennLive.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=8523 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/11.json (key "8523", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=8523
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide