TellerScore

Calcom Federal Credit Union is a federal credit union headquartered in Long Beach, California, in business for about 58 years. At the end of Q2 2026 it reported $83.9M in total assets and $70.0M in member shares and deposits, with 4 offices.

Based on its Q2 2026 filing, Calcom Federal Credit Union scores 82/100, which we describe as strong. That is higher than 70% of 2,479 credit unions with under $100 million in assets. Among 238 credit unions headquartered in California, it ranks 43rd. Its strongest component is capital cushion (100/100; 16.33%), and its lowest is earnings (48/100; 0.71%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 16.33%
Loan quality86/100
Loans 60+ days delinquent ÷ total loans: 0.42%
Earnings48/100
Return on assets (annualized): 0.71%
Funding & liquidity74/100
Loans ÷ shares: 86.2% · 8.5% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.86%

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 5 points (77 → 82), mostly because the loan quality component improved by 16 points.

TellerScore
557085Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202459
Q3 202455
Q4 202464
Q1 202577
Q2 202577
Q3 202583
Q4 202582
Q1 202685
Q2 202682
Net worth ratio
7.00%11.74%16.48%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.20%
Q3 202414.44%
Q4 202415.12%
Q1 202515.07%
Q2 202515.54%
Q3 202515.95%
Q4 202516.24%
Q1 202616.48%
Q2 202616.33%
Delinquent loans (60+ days)
0.30%1.40%2.50%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.90%
Q3 20242.50%
Q4 20241.75%
Q1 20250.59%
Q2 20250.91%
Q3 20250.63%
Q4 20250.63%
Q1 20260.30%
Q2 20260.42%
Return on assets
-0.06%0.52%1.11%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.06%
Q3 20240.08%
Q4 20240.22%
Q1 20250.38%
Q2 20250.72%
Q3 20251.11%
Q4 20250.98%
Q1 20261.05%
Q2 20260.71%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202682$83.9M16.33%0.42%0.71%86.2%
Q1 202685$82.6M16.48%0.30%1.05%89.4%
Q4 202582$82.5M16.24%0.63%0.98%88.9%
Q3 202583$83.5M15.95%0.63%1.11%88.1%
Q2 202577$83.2M15.54%0.91%0.72%87.9%
Q1 202577$84.3M15.07%0.59%0.38%91.8%
Q4 202464$83.5M15.12%1.75%0.22%95.6%
Q3 202455$86.8M14.44%2.50%0.08%92.7%
Q2 202459$87.7M14.20%1.90%-0.06%91.5%

2,479 peers · Under $100 million in assets

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 ratio16.33%
62nd
Problem loans0.42%
62nd
Net charge-offs0.17%
50th
Return on assets0.71%
54th
Loans to deposits86.2%
13th
Uninsured deposits8.5%
9th
Loan-loss reserves0.00%
37th
Texas ratio1.9%
54th

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
Technicolor Federal Credit UnionCredit union Burbank, CA49 out of 100, Below average$82.7M8.1%0.32%vs
California Community Credit UnionCredit union Sacramento, CA79 out of 100, Strong$82.5M12.2%0.07%vs
Valley Oak Credit UnionCredit union Three Rivers, CA49 out of 100, Below average$82.2M6.8%0.71%vs
Nikkei Credit UnionCredit union Gardena, CA53 out of 100, Below average$81.5M14.2%2.69%vs
Cal State L.A. Federal Credit UnionCredit union Los Angeles, CA61 out of 100, Moderate$80.2M9.0%0.53%vs
Sonoma Federal Credit UnionCredit union Santa Rosa, CA83 out of 100, Strong$80.0M13.5%0.63%vs

Deposit insurance

Is my money safe at Calcom Federal Credit Union?

Yes. Calcom Federal Credit Union is a federally insured credit union (NCUA charter #18623). 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 8.5% of shares and deposits ($6.0M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 16.33%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Calcom Federal Credit Union lists 4 offices in 4 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Calcom Federal Credit Union
Type
Federal credit union
NCUA charter #
18623
RSSD ID
962685
Primary regulator
NCUA
Established
1968
Headquarters
3748 Bayer Ave Ste 104, Long Beach, CA 90808
Employees
23

Quick answers

Calcom Federal Credit Union: common questions

Is Calcom Federal Credit Union NCUA insured?

Yes. Calcom Federal Credit Union is a federally insured credit union (NCUA charter #18623). 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 Calcom Federal Credit Union's TellerScore?

82 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 Calcom Federal Credit Union have?

4 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Long Beach

InstitutionScoreAssetsCapitalProblem loansCompare
The Bank of New York Mellon Trust Company, National AssociationBank Los Angeles, CA100 out of 100, Very strong$1.4B63.5%0.00%vs
Capital Bank and Trust CompanyBank Irvine, CA94 out of 100, Very strong$266.1M79.3%0.00%vs
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Long Beach Firemen S Credit UnionCredit union Long Beach, CA91 out of 100, Very strong$201.5M29.4%0.02%vs
Santa Ana Federal Credit UnionCredit union Santa Ana, CA90 out of 100, Very strong$111.6M13.5%0.06%vs
California International Bank, N.A.Bank Westminster, CA89 out of 100, Very strong$120.9M13.5%0.00%vs