CAL-COM
Charter #18935 · Port Lavaca, TX · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 15,929 ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.81% sits at the 11th percentile of structural peers — worth a closer look.
- Cost of funds of 2.07% sits at the 90th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.08% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 66.33% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
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 | CAL-COM | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $224.86M | 58th pct | 90th pct |
| Members | 15,929 | 62th pct | 89th pct |
| Net worth ratio | 12.31% | 61th pct | 41th pct |
| Return on average assets | 0.93% | 65th pct | 69th pct |
| Net interest margin | 2.81% | 9th pct | 11th pct |
| Cost of funds | 2.07% | 90th pct | 90th pct |
| Loan-to-share | 58.85% | 25th pct | 43th pct |
| Delinquency 60+ days | 0.08% | 5th pct | 23th pct |
| Net charge-off ratio | 0.57% | 70th pct | 72th pct |
| Loan growth YoY | -4.43% | 8th pct | 43th pct |
| Share growth YoY | 0.21% | 11th pct | 23th pct |
| Efficiency ratio | 66.33% | 18th pct | 16th pct |
structural peer set hash: 1461878bbebbbed183c7d240f66dc881… (reproducible)
Closest structural peers
This is the free public view
Claim CAL-COM
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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.