Even if usable metallic cartridges would have been available prior to the civil war, there likely would have been institutional resistance to their deployment from the military leadership. i.e. the similar mind set that resisted the later idea of magazine weapons, autoloaders, etc.
If they would have be deployable by the outset of the Civil War, the impact would have been tremendous. Even if the weapons were early arrival single shot, falling block rifles, such as the Sharps or Martini-Henry, where you combined a much higher rate of fire with a high level of accuracy, it would have made massed line assaults even more suicidal.
Because of the industrial issues cited above, this technology would have been a decisive advantage to the Union.
If the CSA had a source for the cartridges, I think the East would have bogged down into trench warfare pretty quickly. Out West, the advantage would have still been to the Union, with the mobility of both the train and control of the Mississippi and Ohio from early on.
Also, I think you would see accelerated development of metallic cartridges because of the war.