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
Call Report peers
CAL-COM in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); CAL-COM sits in 90-94 with 747 others.
91 Top 23% higher than 77% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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.
- One place up in Texas, San Angelo (#88) ties at 91/100; one place down, Southwest Research Center (#90) ties at 91/100.
Quarter path for CAL-COM
CAL-COM: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.2% from $225.3M (2025Q4) to $224.9M (2026Q1).
- Net-worth ratio shifted +0.26 pp (12.05% → 12.31%).
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
CAL-COM gives up 9 points in total. Member Growth costs the most, 6.3 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is CAL-COM financially healthy?
CAL-COM has a financial health score of 91/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #940 of 4,374 nationally on health and #89 of 386 in Texas. Its net worth ratio is 12.31% and its delinquency rate 0.28%.
How does CAL-COM compare to other credit unions?
CAL-COM scores 91/100, higher than 77% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.28% vs 0.89%). Its widest shortfall is loan-to-share ratio (59.89% vs 72.20%).
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?
CAL-COM is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.