Credit Union Safety Analysis
Is Cal-Com Federal Credit Union Safe? Port Lavaca, Texas
Based on its Q2 2026 NCUA 5300 call report, Cal-Com Federal Credit Union has a net worth ratio of 12.47%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.09%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Cal-Com Federal Credit Union's net worth ratio is 12.47%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.47%
- Delinquency ratio (60+ days) (Q2 2026): 0.09%
- Return on assets (Q2 2026): 0.88%
- Loan-to-share ratio (Q2 2026): 59.46%
Cal-Com Federal Credit Union (NCUA charter 18935, established 1968) reported $225.8M in assets and 15,883 members for Q2 2026 from Port Lavaca, Texas. It ranks 96 of 377 credit unions in Texas by total assets. Total assets grew 1.2% from $223.0M on June 30, 2025. It has 271 fewer members than on June 30, 2025 (-1.7%). Its net worth ratio was up 0.71 percentage points from 11.76% on June 30, 2025. New vehicle loans are its largest loan category, $68.2M of $118.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.09% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 12.31% for Q1 2026; 11.76% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.08% for Q1 2026; 0.29% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.93% for Q1 2026; 1.29% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 58.85% for Q1 2026; 61.52% for Q2 2025.
Loans by type, Q2 2026
- New vehicle loans: $68.2M
- Used vehicle loans: $42.0M
- Other unsecured loans and lines of credit: $4.2M
- Other secured non-real estate loans and lines of credit: $2.7M
- Unsecured credit card loans: $821K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $225.8M | 12.47% | 0.09% | 0.88% | 59.46% |
| March 31, 2026 | $224.9M | 12.31% | 0.08% | 0.93% | 58.85% |
| December 31, 2025 | $225.3M | 12.05% | 0.28% | 0.83% | 59.89% |
| September 30, 2025 | $224.3M | 11.95% | 0.18% | 1.05% | 61.71% |
| June 30, 2025 | $223.0M | 11.76% | 0.29% | 1.29% | 61.52% |
| March 31, 2025 | $219.6M | 11.61% | 0.30% | 1.18% | 61.03% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Cal-Com Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 18935) · FFIEC NIC profile (RSSD 36988)
Frequently asked questions
Is Cal-Com Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Cal-Com Federal Credit Union's net worth ratio is 12.47%, above the 7% NCUA threshold for well capitalized.
Is Cal-Com Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Cal-Com Federal Credit Union is a federally insured credit union (NCUA charter 18935): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Cal-Com Federal Credit Union's key safety ratios?
For Q2 2026, Cal-Com Federal Credit Union reports net worth 12.47%, delinquency 0.09%, ROA 0.88%, loan-to-share 59.46%.
What happens to my money if Cal-Com Federal Credit Union fails?
For Q2 2026, Cal-Com Federal Credit Union held $198.4M in shares and deposits for 15,883 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.