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
Call Report peers
CALCOM in the assets neighbourhood
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CALCOM vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); CALCOM sits in 80-84 with 767 others.
80 36th percentile higher than 36% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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.
- One place up in California, San Francisco Lee (#160) ties at 80/100; one place down, ARROWHEAD (#162) ties at 80/100.
CALCOM: 2025Q4 → 2026Q1
CALCOM: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.1% from $82.5M (2025Q4) to $82.6M (2026Q1).
- Net-worth ratio shifted +0.24 pp (16.24% → 16.48%).
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
CALCOM gives up 20 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is CALCOM financially healthy?
On its 2025Q4 NCUA 5300 filing, CALCOM scores 80/100 (Excellent), with a 16.48% net worth ratio and 0.63% of loans delinquent. It ranks #2,701 of 4,374 nationally on health and #161 of 243 in California.
How does CALCOM compare to other credit unions?
CALCOM scores 80/100, higher than 36% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (88.93% vs 62.60%). Its widest shortfall is return on assets (0.22% vs 0.66%).
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?
CALCOM 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. CALCOM's net worth ratio of 16.48% 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.