Charter 8523 · Pottsville, PA
Cacl Federal Credit Union
Cacl Federal Credit Union is a federally chartered credit union in Pottsville, Pennsylvania, with $256 million in assets and 17,162 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 10.05%, well above the 7% that NCUA's rules treat as well capitalized.
Also does business as CACL FINANCIAL.
- Total assets
- $256 million
- +11.1% in a year
- Members
- 17,162
- +3.8% in a year
- Net worth ratio
- 10.05%
- Peer median 11.65%
- Loans 60+ days late
- 0.73%
- Peer median 0.70%
- Loans outstanding
- $216 million
- +12.2% in a year
- Shares and deposits
- $230 million
- +11.5% in a year
- Branches
- 4
- 53 employees
- Opened
- 1953
- Federal charter
How Cacl Federal Credit Union compares
NCUA groups credit unions by size; Cacl Federal Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 10.05% is lower than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.73%, is about the same as the group median of 0.70%. Loans grew 12.2% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 42 of 269 credit unions headquartered in Pennsylvania. See all Pennsylvania credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $256 million | 17,162 | $216 million | 10.05% | 0.73% |
| Q1 2026 | $251 million | 17,024 | $210 million | 9.54% | 0.86% |
| Q4 2025 | $244 million | 16,847 | $204 million | 9.96% | 0.74% |
| Q3 2025 | $238 million | 16,767 | $199 million | 10.01% | 0.76% |
| Q2 2025 | $230 million | 16,540 | $193 million | 10.12% | 0.57% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 143,049 potential members.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 4 sites for Cacl Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Main Office (main office)
1800 W Market St, Pottsville, PA 17901 - Route 183 Branch
757 S Route 183, Schuylkill Haven, PA 17972 - Loan Department
1816 W Market St, Pottsville, PA 17901 - St Clair Branch
697 Port Carbon St Clair Hwy, Pottsville, PA 17901
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology