Cal-Com

Port Lavaca, TX · 1 · Charter #18935 · www.calcomfcu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$225.3M
95th percentile
Members
16,062
93th percentile
Total loans
$119.1M
85th percentile
Total shares
$198.9M
96th percentile

Profitability

Return on assets
1.45%
75th percentile
Net interest margin
2.85%
13th percentile
Efficiency ratio
42.48%
93th percentile
Non-interest income ratio
18.76%
59th percentile

Capital & Risk

Net worth ratio
12.05%
47th percentile
Delinquency rate
0.28%
81th percentile
Net charge-off rate
0.53%
30th percentile
Loan-to-share
59.89%
35th percentile

Growth

Member growth YoY
-0.19%
55th percentile
Asset growth YoY
6.15%
69th percentile
Loan growth YoY
2.56%
57th percentile
Share growth YoY
5.93%
71th percentile

Operations

Members / branch
5,354
85th percentile
Assets / member
$14,024
47th percentile
Field of membership penetration
9.62%
58th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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