PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Cal-Com

Port Lavaca, TX · Charter 18935

NCUA · 3 branches

Q2 2026

$225.8MAssets
$118.0MLoans
$198.4MShares
$28.2MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.91%, down 32 bps year over year; NIM at 2.80%.
  • Asset quality: problem loans at 0.09% of loans (-20 bps YoY).
  • Capital: net worth / assets of 12.47%, up 71 bps from a year ago.
  • Funding: loans stand at 59.46% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.91%-32 bps YoY

Net Interest Margin (YTD, annualized)

2.80%0 bps YoY

Efficiency Ratio (YTD, annualized)

67.46%+758 bps YoY

Net Worth / Assets

12.47%+71 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.22%1.16%1.07%0.93%0.91%-32 bps
Return on Equity10.40%9.71%8.91%7.58%7.26%-314 bps
Net Interest Margin2.80%2.83%2.85%2.82%2.80%0 bps
Efficiency Ratio59.88%60.88%63.30%66.33%67.46%+758 bps
Growth
Asset Growth (YoY)13.27%9.93%6.15%2.37%1.25%-1,203 bps
Loan Growth (YoY)2.90%4.40%2.56%-1.85%-2.80%-571 bps
Share Growth (YoY)13.08%9.45%5.93%1.79%0.56%-1,252 bps
Asset Quality
Delinquent Loans / Loans0.29%0.18%0.28%0.08%0.09%-20 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.76%11.96%12.05%12.31%12.47%+71 bps
Net Worth / Assets11.76%11.96%12.05%12.31%12.47%+71 bps
Liquidity & Funding
Loans / Shares61.52%61.71%59.89%58.85%59.46%-206 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps