Cal-Com
Port Lavaca, TX · Charter 18935 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 3 branches
Q2 2026
$225.8MAssets
$118.0MLoans
$198.4MShares
$28.2MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 84% of credit unions under $1B in assets in TX (rank 38 of 235).
- Widest gap: net interest margin trails 94% of credit unions under $1B in assets in TX (rank 220 of 235).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.91%
Rank 81 of 235
Net Interest Margin
2.80%
Rank 220 of 235
Efficiency Ratio
67.46%
Rank 43 of 235
Equity / Assets
12.47%
Rank 150 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.91% | 0.17% | 0.57% | 1.10% | Beats 66% | 81 / 235 | |
| Return on Equity | 7.26% | 1.03% | 4.30% | 7.58% | Beats 72% | 65 / 235 | |
| Net Interest Margin | 2.80% | 3.32% | 3.89% | 4.35% | Beats 6% | 220 / 235 | |
| Efficiency Ratio | 67.46% | 70.60% | 82.00% | 91.57% | Beats 82% | 43 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.09% | 0.20% | 0.59% | 1.14% | Beats 84% | 38 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.47% | 11.30% | 14.41% | 19.49% | Beats 36% | 150 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.47% | 11.30% | 14.41% | 19.49% | Beats 36% | 150 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 59.46% | 54.18% | 67.38% | 81.66% | 33rd pctl | 157 / 235 | |
| Loans / Assets | 52.25% | 43.80% | 56.63% | 68.64% | 41st pctl | 139 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |