CACL Credit Union Profile

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CACL

Charter #8523 | NCUA Region 1 | FCU
Low-Income Designation: No
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (570) 628-2400

Fax: (570) 628-0488

Founding Date: N/A

Website: http://www.caclfcu.org

Personnel & Operations

President: Kramer, James

Manager: Hession, John

FT Employees: 56

PT Employees: 0

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 00

Branches: 4

Hours: Mon - Wed 7:30AM - 5:00PM Thur - Fri 7:30A

Credit Union Profile Summary

CACL is a FCU Credit Union. With a total of 16,540 members [1], this institution manages approximately $230,281,890 in total assets [1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 10.12% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 18.13% [1].

Financial Snapshot

Total Assets [1]
$230,281,890

Total economic resources.

Total Loans [1]
$192,825,687

Total value of outstanding loans.

Total Deposits [1]
$206,367,491

Total funds deposited by members.

Members [1]
16,540

Number of active members.

Performance Ratios

Net Worth Ratio [1]
10.12%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
0.34%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
93.44%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
12.75%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
18.13%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
3.77%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

1800 W Market St

Pottsville, PA, 17901

Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 4 branches reported by CACL (Charter #8523).

Main Office

Main Office Main Office

Type: Corporate Office

1800 W Market St

Pottsville, PA 17901

Phone: (570) 628-2400

Services: Member Services, ATM, Drive-Thru

Open in Directions

Additional Branches

Pottsville

Loan Department

Type: Branch Office

1816 W Market St

Pottsville, PA 17901

Phone: (570) 628-2400

Services: Member Services

Open in Directions

St Clair Branch

Type: Branch Office

697 Port Carbon St Clair Hwy

Pottsville, PA 17901

Phone: (570) 628-2400

Services: Member Services, ATM, Drive-Thru

Open in Directions

Schuylkill Haven

Route 183 Branch

Type: Branch Office

757 S Route 183

Schuylkill Haven, PA 17972-9389

Phone: (570) 628-2400

Services: Member Services, ATM, Drive-Thru

Open in Directions