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Cacl Credit Union

Overview
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Cacl Credit Union is a federal credit union based in Pottsville, Pennsylvania. It has been opened since 1953, for 67 years.

With around $117,820,000 in assets, Cacl Credit Union is considered to be a large credit union. It has 2 branches and 1 ATM locations.

About
Address 1800 W. Market Street
Pottsville, Pennsylvania 17901
Website http://www.caclfcu.org
Phone (570) 628-2400
Fax (570) 628-0488
CEO Jason Kostura
President of the Board Ronald Mercuri
Services Offered
Map
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Score Card
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67 years
Years in business
Opened in 1953
Well Capitalized
Net worth classification
Source: NCUA
10,570 members
Membership type: Community credit union
Above average number of members
302:1
Credit union member to staff ratio
302 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
$117,820,616
Total assets
Above average
2 branches
Compared with an average of 4 nationally and 3 in Pennsylvania
Average number of branches
0.30%
Savings interest rate
Compared to 0.3% nationally
18.00%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches
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2 branches
Compared with an average of 4 nationally and 3 in Pennsylvania
Average number of branches
Cacl Credit Union Branch Locations

Cacl Credit Union: Main Office
1800 W. Market Street
Pottsville, Pennsylvania 17901
ATM Available
Members
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10,570 members
Membership type: Community credit union
Above average number of members

With 10,570 members, the Cacl Credit Union is considered to be a large credit union. It is larger than 72% of credit unions.

Fees
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$90
Average fee per member
The average fee per member at the Cacl Credit Union is $90, which is high compared to most credit unions. This rate is higher than 80% of all credit unions.
Fees are higher than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Cacl Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff
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302:1
Credit union member to staff ratio
302 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
35 staff members
FTE (full-time equivalent)
6% of employees are part-time
34 full-time, 2 part-time

Cacl Credit Union has 34 full-time staff members and 2 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 94% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Cacl Credit Union has around 302 members per staff, a low ratio compared to other credit unions. This is a well staffed credit union.

Assets
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$117,820,616
Total assets
Above average
Net worth
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
11.1%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases
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$15,603
Average loan and lease size
Loan & lease sizes are big! They are bigger than at 82% of credit unions.

Cacl Credit Union holds a total of $95,380,000 in loans and leases, which is about $15,603 per member on average.

Savings interest rate
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0.30%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Cacl Credit Union pays 0.30%.

Loan rates
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18.00%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
14.99%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
5.49%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
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5.19%
New car loan rate
Compared to 4.0% nationally
10.89%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates
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4.75%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
5.50%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally
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