Calcom Federal Credit Union Long Beach, California
Calcom Federal Credit Union is a federal credit union headquartered in Long Beach, CA, established in 1968 (NCUA charter 18623), and it is regulated and insured by the NCUA. At Q2 2026 it reported 6,778 members and total assets of $83.9M (up 0.9% from Q2 2025), the 158th largest of 238 credit unions headquartered in California. Its net worth ratio was 16.33% at Q2 2026, in the well capitalized band.
Also written as Calcom FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 18623
- Headquarters
- Long Beach, CA
- Established
- 1968
- Total assets, Q2 2026
- $83.9M
- Assets vs Q2 2025
- +0.9%
- Members, Q2 2026
- 6,778
- Net worth ratio, Q2 2026
- 16.33%
- Latest call report
- Q2 2026, NCUA 5300 · Calcom Federal Credit Union call report
- Asset rank in state
- 158th of 238 in California
- Routing number
- 322283107
- Branches
- 4
It has 711 fewer members than on June 30, 2025 (-9.5%). Its net worth ratio was up 0.79 percentage points from 15.54% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $46.6M of $60.3M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.42% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 16.33% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in California
Credit unions merged into Calcom Federal Credit Union
Frequently asked about Calcom Federal Credit Union
How big is Calcom Federal Credit Union?
At Q2 2026 it reported total assets of $83.9M and 6,778 members.
Where is Calcom Federal Credit Union headquartered?
It is headquartered in Long Beach, CA, United States.
When was Calcom Federal Credit Union founded?
It was established in 1968, per NCUA records.
Is Calcom Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 18623): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Calcom Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Calcom Federal Credit Union well capitalized?
Its net worth ratio was 16.33% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Calcom Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.42% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Calcom Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 86.17% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Long Beach, CA 90808
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1968
- NCUA Charter #
- 18623
- RSSD ID
- 962685
- Members
- 6,778
- Potential members
- 27,500
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 16.33% | 14.31% | 60th above |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.39% | 0.72% | 35th below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 2.36% | 4.74% | 34th below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.73% | 3.93% | 42nd below |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 79.65% | 79.83% | 50th above |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.69% | 0.78% | 56th above |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.42% | 0.86% | 71st above |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.42% | 4.70% | 36th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 86.17% | 58.92% | 87th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$83.9M total assets against $83.2M; $70.0M total shares and deposits against $69.7M; $60.3M total loans against $61.2M.
$13.7M net worth against $12.9M.
16.33% net worth ratio against 15.54%.
86.17% loan-to-share ratio against 87.87%.
0.42% delinquency ratio against 0.91%.
0.39% return on assets against 1.04%; 2.36% return on equity against 6.72%.
3.73% net interest margin against 3.76%.
6,778 members against 7,489.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 16.33% | 0.39% | 0.42% | 86.17% |
| March 31, 2026 | 16.48% | 1.05% | 0.30% | 89.40% |
| December 31, 2025 | 16.24% | 0.56% | 0.63% | 88.93% |
| September 30, 2025 | 15.95% | 1.90% | 0.63% | 88.14% |
| June 30, 2025 | 15.54% | 1.04% | 0.91% | 87.87% |
| March 31, 2025 | 15.07% | 0.38% | 0.59% | 91.77% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.