Sep, 30, 2025 — CACL FEDERAL CREDIT UNION is a federal credit union headquartered in POTTSVILLE, PA with 4 branch locations and about $237.84 million in total assets. Opened 73 years ago in 1953, CACL FEDERAL CREDIT UNION has about 16,767 members and employs 54 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | CACL FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 1800 W Market St POTTSVILLE, PA 17901 |
| Phone: | (570) 628-2400 |
| Fax: | (570) 628-0488 |
| Website: | https://www.caclfcu.org |
| Branches: | 4 branch locations |
| Members: | 16,767 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 8523 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1953 |
| Last Audited: | Mar 01, 2025 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $237,837,480 |
| CEO/Manager: | John Hession |
| Chairperson: | James T Kramer |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 9,711,271 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 132,475,216 |
| Unsecured Loans | 14,443,293 |
| Other Loans | 52,221,562 |
| TOTAL LOANS | 199,140,071 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -1,843,733 |
| Land And Building | 4,167,293 |
| Other Fixed Assets | 483,719 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 1,800,263 |
| All Other Assets | 151,147 |
| TOTAL ASSETS | 237,837,480 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 245,730 |
| Accounts Payable & Other Liabilities | 689,894 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 31,962,128 |
| Regular shares | 41,591,855 |
| All Other Shares & Deposits | 140,808,679 |
| TOTAL SHARES & DEPOSITS | 214,362,662 |
| TOTAL LIABILITIES | 215,298,286 |
| Regular Reserve | 0 |
| Other Reserves | -793,905 |
| Undivided Earnings | 23,333,099 |
| TOTAL EQUITY | 22,539,194 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 237,837,480 |
| INCOME & EXPENSE | |
| Loan Income | 9,883,427 |
| Investment Income | 624,931 |
| Other Income | 1,189,402 |
| Total Employee Compensation & Benefits | 3,226,115 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 3,331,818 |
| Non-operating Income & (Expense) | -454,263 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 1,086,420 |
| Cost of Funds | 3,743,433 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 1,080,410 |
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