Federal credit union · LONG BEACH, California · NCUA charter #18623
CALCOM
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $82.5M
- Total assets
- 6,980
- Members
- 16.5%
- Net-worth ratio
CALCOM scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $82.5M; members 6,980; net-worth ratio 16.48%; health rank #2,701 of 4,374; healthier than 36th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,701 of 4,374 health · 2025Q4CALCOM · health 80/100 · $82.5M · 2025Q4
- RANK 80/100
- PHOTO 16.5%
- BOOK 0.63%
- CHARTER 0.22%
- NCUSIF $82.5M
- CAMELS 6,980
- HEALTH #2,701/4,374
- NW Jamestown Area Community
- DELQ 18623
Call Report peers
CALCOM in the assets neighbourhood
CALCOM's $82.5M assets sit next to Jamestown Area Community ($82.5M) 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.
CALCOM 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
80 36th percentile higher than 36% 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
CALCOM - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #18623 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Peer-gap read for CALCOM
- Largest favorable gap: Loan-to-Share Ratio at 88.93% vs peer 62.60% (+26.33 pp).
- Widest shortfall vs peers is Return on Assets: -0.43 pp (0.22% vs 0.66%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
CALCOM in California
- In California, health place is #161 of 243 on the same NCUA-ratio sort used nationally.
- California assets place: #161 of 243.
- Member book place in California: #140 of 243.
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
CALCOM: 2025Q4 → 2026Q1
CALCOM: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.1% from $82.5M (2025Q4) to $82.6M (2026Q1).
- Net-worth ratio shifted +0.24 pp (16.24% → 16.48%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
16.48% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 80/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 80.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.7 pts
- Return on Assets 10.9 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.4 pts
Call Report ratios for CALCOM
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.48% | +2.86 pp |
| Delinquency Rate | 0.63% | -0.33 pp |
| Return on Assets | 0.22% | -0.43 pp |
| Member Growth | -8.63% | - |
| Loan-to-Share Ratio | 88.93% | +26.33 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Call Report history - CALCOM
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $82.6M | - |
| 2025Q4 | $82.5M | 6,980 |
| 2024Q4 | $83.5M | 7,639 |
| 2023Q4 | $89.9M | 7,772 |
Credit Union Details
- Charter Number
- 18623
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- California
- City
- LONG BEACH
- Data Quarter
- 2025Q4
Branch Locations (4)
The NCUA branch filing lists 4 physical offices for CALCOM, spread across 4 cities.
| Office | City |
|---|---|
| Long Beach Office (Main Office) | Long Beach, CA |
| Downey (City Hall) | Downey, CA |
| Pomona | Pomona, CA |
| Torrance | Torrance, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
Other federally-insured credit unions in California, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for CALCOM, both outside California so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($82.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
Using this data
- CALCOM ranks #2,701 of 4,374 nationally on financial health and #161 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Valley Oak is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Valley Oak
- Rates and health both vary by institution, not just by state -- see how California credit unions compare overall before assuming this one is typical. California 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 CALCOM financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, CALCOM carries a financial health score of 80/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,701 of 4,374; by total assets it ranks #1,991 of 4,374 nationally (same basis as /rankings/largest); and #161 of 243 within California. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 16.48% net worth ratio and a 0.63% delinquency rate.
How does CALCOM compare to other credit unions?
CALCOM scores 80/100 on PlainCU's health composite, compared to a peer group average for $50M–$100M 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 CALCOM?
CALCOM 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 CALCOM directly for the exact boundaries and application steps.
Is my money safe at CALCOM?
Federal credit unions like CALCOM 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. CALCOM's net worth ratio of 16.48% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does CALCOM offer compared to banks?
Credit unions like CALCOM 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 CALCOM 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.