Federal credit union · Port Lavaca, Texas · NCUA charter #18935
CAL-COM
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $225.3M
- Total assets
- 16,062
- Members
- 12.3%
- Net-worth ratio
CAL-COM scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $225.3M; members 16,062; net-worth ratio 12.31%; health rank #940 of 4,374; healthier than 77th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#940 of 4,374 health · 2025Q4CAL-COM · health 91/100 · $225.3M · 2025Q4
- BOOK 91/100
- CHARTER 12.3%
- NCUSIF 0.28%
- CAMELS 1.18%
- HEALTH $225.3M
- NW 16,062
- DELQ #940/4,374
- ROA Greater Springfield
- ASSETS 18935
Call Report peers
CAL-COM in the assets neighbourhood
CAL-COM's $225.3M assets sit next to Greater Springfield ($226.8M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
CAL-COM vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
91 Top 23% higher than 77% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
CAL-COM - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #18935, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
CAL-COM: Call Report deltas vs peers
- Delinquency Rate leads the peer set - 0.28% here, 0.89% peer average (-0.62 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -12.31 pp (59.89% vs 72.20%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
CAL-COM in Texas
- Texas health ordinal: #89 of 386.
- Assets rank #96 of 386 inside Texas ($225.3M reported).
- Texas membership ordinal: #96 of 386.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for CAL-COM
CAL-COM: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.2% from $225.3M (2025Q4) to $224.9M (2026Q1).
- Net-worth ratio shifted +0.26 pp (12.05% → 12.31%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 12.31%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 91/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 8.7 pts
- Loan-to-Share Ratio 12.3 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.31% | +0.20 pp |
| Delinquency Rate | 0.28% | -0.62 pp |
| Return on Assets | 1.18% | +0.56 pp |
| Member Growth | -0.19% | - |
| Loan-to-Share Ratio | 59.89% | -12.31 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $224.9M | - |
| 2025Q4 | $225.3M | 16,062 |
| 2024Q4 | $212.2M | 16,093 |
| 2023Q4 | $185.1M | 16,124 |
Credit Union Details
- Charter Number
- 18935
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Texas
- City
- Port Lavaca
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for CAL-COM, spread across 2 cities.
| Office | City |
|---|---|
| Cal-Com Federal Credit Union (Main Office) | Port Lavaca, TX |
| Cal-Com Federal Credit Union | Victoria, TX |
| Cal-Com Federal Credit Union | Victoria, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
Cross-state Call Report peers for CAL-COM
CAL-COM's nationwide photo peers by assets and by health score, excluding Texas charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($225.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
Using this data
- CAL-COM ranks #940 of 4,374 nationally on financial health and #89 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Westex Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Westex Community
- Rates and health both vary by institution, not just by state -- see how Texas credit unions compare overall before assuming this one is typical. Texas state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is CAL-COM financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, CAL-COM carries a financial health score of 91/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #940 of 4,374; by total assets it ranks #1,203 of 4,374 nationally (same basis as /rankings/largest); and #96 of 386 within Texas. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 12.31% net worth ratio and a 0.28% delinquency rate.
How does CAL-COM compare to other credit unions?
CAL-COM scores 91/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join CAL-COM?
CAL-COM operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact CAL-COM directly for the exact boundaries and application steps.
Is my money safe at CAL-COM?
Federal credit unions like CAL-COM are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. CAL-COM's net worth ratio of 12.31% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does CAL-COM offer compared to banks?
Credit unions like CAL-COM are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact CAL-COM directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.