Side-by-side · Q2 2026 data
Cacl Federal Credit Union vs Hazleton School Employees Credit Union
Credit union
Hazleton School Employees Credit Union
Hazleton, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Cacl Federal Credit Union | Hazleton School Employees Credit Union |
|---|---|---|
| TellerScore | 65 | 80 (stronger) |
| Capital cushion | 51 | 100 (stronger) |
| Loan quality | 76 (stronger) | 35 |
| Earnings | 60 | 82 (stronger) |
| Funding & liquidity | 66 | 100 (stronger) |
| Problem-loan coverage | 84 | 95 (stronger) |
| Peer percentile | 34th | 65th |
| Total assets | $255.7M | $35.4M |
| Deposits / shares | $230.1M | $27.7M |
| Capital ratio | 10.05% | 21.75% (stronger) |
| Problem loans | 0.73% (stronger) | 1.96% |
| Net charge-offs | 0.73% | 0.15% (stronger) |
| Return on assets | 1.00% | 1.54% (stronger) |
| Loans ÷ deposits | 94.0% | 35.7% (stronger) |
| Uninsured deposits | 4.5% (stronger) | 4.8% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Hazleton School Employees Credit Union has the higher TellerScore (80 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Cacl Federal Credit Union leads on 2 and Hazleton School Employees Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.