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Overview / Commentary
361-552-7476
P.O. Box 1005
Port Lavaca, TX 77979

Cal-Com Credit Union (TX) is headquartered in Port Lavaca and is the 99th largest credit union in the state of Texas. It is also the 1,281st largest credit union in the nation. It was established in 1968 and as of December of 2013, it had grown to 35 employees and 17,019 members. Cal-Com Credit Union (TX) has a A health rating.

Field of Membership Restrictions

Anyone who lives, works, worships, or attends school in, and businesses and other legal entities located in Calhoun, DeWitt, Goliad, Jackson, Lavaca, Refugio and Victoria counties and their immediate families or household. - See Details

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Health

Data for Q4 2013

Institution Health

A

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Cal-Com Credit Union (TX) had $425,000 in non-current loans and owned real-estate with $10.98 million in equity and loan loss allowances on hand to cover it. This gives Cal-Com Credit Union (TX) a Texas Ratio of 3.87% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Cal-Com Credit Union (TX) experienced no significant changes from 1.28% as of December 31, 2012 to 3.87% as of December 31, 2013, resulting in a negative change of 202.83%. This indicates that the balance sheet and financial strength for Cal-Com Credit Union (TX) has had no significant changes in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Cal-Com Credit Union (TX) has increased its total deposits by $7.9 million, resulting in 7.45% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Cal-Com Credit Union (TX) has shown is excellent.

Capitalization

GRADE:
C

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Cal-Com Credit Union (TX) has $124.93 million in assets with $10.98 million in equity, resulting in a capitalization level of 8.79%, which is average.

Institution Statistics

Overall
NCUA #18935
Year Chartered1968
Employees35
Primary Regulator
Assets and Liabilities
Assets$124.93 million
Loans$97.53 million
Deposits$113.89 million
Equity Capital$10.55 million
Loan Loss Allowance$437,000
Unbacked Noncurrent Loans$425,000
Real Estate Owned$0
Historic Data - December 2012
Assets$116.50 million
Equity Capital$9.77 million
Loan Loss Allowance$251,000
Unbacked Noncurrent Loans$425,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin3.64%
Return on Assets0.18%
Return on Equity2.1%
Interest Income$4.46 million
Rates

Always verify rates and promotions with the bank or credit union. We are not Cal-Com Credit Union (TX), we are a rate comparison website and can not provide official rates or promotions.

Cal-Com Credit Union (TX) Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.25%--Regular Share
0.25%--Christmas Club Account

Cal-Com Credit Union (TX) Money Market Rates

DetailsAPYMINMAXPRODUCT
0.35%--Money Market Checking Account

Cal-Com Credit Union (TX) Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.25%--Checking Account

Cal-Com Credit Union (TX) CD Rates

DetailsAPYMINMAXPRODUCT
1.75%$500-5 Year Certificate
1.50%$500-4 Year Certificate
1.25%$500-3 Year Certificate
1.00%$500-2 Year Certificate
0.70%$500-18 Month Certificate
0.60%$500-12 Month Certificate
0.50%$500-26 Week Certificate
0.50%$25-9 Month Vacation Club Certificate
0.35%$500-91 Day Certificate

Cal-Com Credit Union (TX) IRA Rates

DetailsAPYMINMAXPRODUCT
1.75%$500-5 Year IRA Certificate (Traditional,Roth,CESA)
1.50%$500-4 Year IRA Certificate (Traditional,Roth,CESA)
1.25%$500-3 Year IRA Certificate (Traditional,Roth,CESA)
1.05%$500-2 Year IRA Certificate (Traditional,Roth,CESA)
0.70%$500-1 Year IRA Certificate (Traditional,Roth,CESA)
Locations


Cal-Com Credit Union (TX) Locations
Branch Office1401 N Virginia STPort Lavaca, TX 77979
Branch Office3802 N Navarro StVictoria, TX 77901
Branch Office2807 John Stockbauer DrVictoria, TX 77901