TellerScore

Cal-Com Federal Credit Union is a federal credit union headquartered in Port Lavaca, Texas, in business for about 58 years. At the end of Q2 2026 it reported $225.8M in total assets and $198.4M in member shares and deposits, with 2 offices.

Based on its Q2 2026 filing, Cal-Com Federal Credit Union scores 83/100, which we describe as strong. That is higher than 83% of 1,341 credit unions with $100 million – $1 billion. Among 380 credit unions headquartered in Texas, it ranks 92nd. Its strongest component is funding & liquidity (100/100; 59% loans-to-deposits, 6% uninsured), and its lowest is earnings (56/100; 0.91%).

TellerScore · Q2 2026

Scorecard

Capital cushion75/100
Net worth ratio: 12.47%
Loan quality97/100
Loans 60+ days delinquent ÷ total loans: 0.09%
Earnings56/100
Return on assets (annualized): 0.91%
Funding & liquidity100/100
Loans ÷ shares: 59.5% · 6.0% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.73%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (81 → 83), mostly because the earnings component weakened by 13 points.

TellerScore
808283Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202482
Q3 202482
Q4 202480
Q1 202580
Q2 202581
Q3 202582
Q4 202581
Q1 202682
Q2 202683
Net worth ratio
7.00%9.74%12.47%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.02%
Q3 202411.95%
Q4 202411.71%
Q1 202511.61%
Q2 202511.76%
Q3 202511.95%
Q4 202512.05%
Q1 202612.31%
Q2 202612.47%
Delinquent loans (60+ days)
0.08%0.24%0.39%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.31%
Q3 20240.32%
Q4 20240.39%
Q1 20250.30%
Q2 20250.29%
Q3 20250.18%
Q4 20250.28%
Q1 20260.08%
Q2 20260.09%
Return on assets
0.91%1.14%1.37%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.37%
Q3 20241.34%
Q4 20241.25%
Q1 20251.18%
Q2 20251.22%
Q3 20251.16%
Q4 20251.07%
Q1 20260.93%
Q2 20260.91%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202683$225.8M12.47%0.09%0.91%59.5%
Q1 202682$224.9M12.31%0.08%0.93%58.9%
Q4 202581$225.3M12.05%0.28%1.07%59.9%
Q3 202582$224.3M11.95%0.18%1.16%61.7%
Q2 202581$223.0M11.76%0.29%1.22%61.5%
Q1 202580$219.6M11.61%0.30%1.18%61.0%
Q4 202480$212.2M11.71%0.39%1.25%61.9%
Q3 202482$204.0M11.95%0.32%1.34%64.7%
Q2 202482$196.9M12.02%0.31%1.37%67.6%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.47%
64th
Problem loans0.09%
96th
Net charge-offs0.48%
37th
Return on assets0.91%
61st
Loans to deposits59.5%
78th
Uninsured deposits6.0%
48th
Loan-loss reserves0.00%
50th
Texas ratio0.7%
92nd

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Harris County Federal Credit UnionCredit union Houston, TX84 out of 100, Strong$223.3M22.9%1.62%vs
The People'S Federal Credit UnionCredit union Amarillo, TX58 out of 100, Moderate$229.0M9.1%1.15%vs
Texasgulf Federal Credit UnionCredit union Wharton, TX81 out of 100, Strong$220.5M14.3%0.61%vs
Westex Community Credit UnionCredit union Kermit, TX94 out of 100, Very strong$231.4M15.4%0.63%vs
Pantex Federal Credit UnionCredit union Borger, TX90 out of 100, Very strong$233.4M22.3%0.69%vs
H E B Federal Credit UnionCredit union San Antonio, TX86 out of 100, Very strong$218.2M18.3%0.19%vs

Deposit insurance

Is my money safe at Cal-Com Federal Credit Union?

Yes. Cal-Com Federal Credit Union is a federally insured credit union (NCUA charter #18935). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 6.0% of shares and deposits ($12.0M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 12.47%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Cal-Com Federal Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Cal-Com Federal Credit Union
Type
Federal credit union
NCUA charter #
18935
RSSD ID
36988
Primary regulator
NCUA
Established
1968
Headquarters
P O Box 1005, Port Lavaca, TX 77979
Employees
36

Quick answers

Cal-Com Federal Credit Union: common questions

Is Cal-Com Federal Credit Union NCUA insured?

Yes. Cal-Com Federal Credit Union is a federally insured credit union (NCUA charter #18935). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Cal-Com Federal Credit Union's TellerScore?

83 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Cal-Com Federal Credit Union have?

2 offices as of the latest NCUA data.