CALCOM
Charter #18623 · LONG BEACH, CA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.05% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 95th percentile but its structural peers at the 64th — a 31-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | CALCOM | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $82.61M | 73th pct | 51th pct |
| Members | 6,868 | 78th pct | 72th pct |
| Net worth ratio | 16.48% | 79th pct | 67th pct |
| Return on average assets | 1.05% | 68th pct | 77th pct |
| Net interest margin | 3.69% | 51th pct | 52th pct |
| Cost of funds | 0.87% | 47th pct | 28th pct |
| Loan-to-share | 89.40% | 95th pct | 64th pct |
| Delinquency 60+ days | 0.30% | 29th pct | 34th pct |
| Net charge-off ratio | 0.20% | 45th pct | 52th pct |
| Loan growth YoY | -0.40% | 61th pct | 44th pct |
| Share growth YoY | -1.81% | 7th pct | 15th pct |
| Efficiency ratio | 80.49% | 52th pct | 38th pct |
structural peer set hash: 4017ac6b84178857116ed7003c604e88… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.