Cal-Com Credit Union (TX)

1401 N Virginia
Port Lavaca, TX 779791005
(361) 552-7476
www.calcomfcu.org

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Cal-Com Credit Union (TX) is headquartered in Port Lavaca and is the 104^th largest credit union in the state of Texas. It is also the 1,325^th largest credit union in the nation. It was established in 1968 and as of December of 2012, it had grown to 37 employees and 16,137 members. Cal-Com Credit Union (TX) has a 5-star health rating.

Top Long-Term CD Rates at Cal-Com Federal Credit Union in Texas - Local Only - 4/5/2011

Cal-Com Federal Credit Union has several competitive rates on its long-term CDs and IRA CDs. The most competitive one is the 5-year CD which has a 3.00% APY. Other noteworthy ones include a 1.75% APY ...

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See Rates for: Checking | Savings | Money Market | CD | IRA

Cal-Com Credit Union (TX) Checking Account Rates

	Apy	Min	Max	Product
	0.25%	-	-	Checking Account

Cal-Com Credit Union (TX) Savings Account Rates

Apy	Min	Max	Product
0.25%	-	-	Regular Share
0.25%	-	-	Christmas Club Account

Cal-Com Credit Union (TX) Money Market Rates

	Apy	Min	Max	Product
	0.35%	-	-	Money Market Checking Account

Cal-Com Credit Union (TX) CD Rates

Apy	Min	Max	Product
1.75%	$500	-	5 Year Certificate
1.50%	$500	-	4 Year Certificate
1.25%	$500	-	3 Year Certificate
1.05%	$500	-	2 Year Certificate
0.80%	$500	-	18 Month Certificate
0.70%	$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

Apy	Min	Max	Product
1.75%	$500	-	5 Year IRA Certificate
1.75%	$500	-	5 Year Roth IRA Certificate
1.75%	$500	-	5 Year Educational IRA Certificate
1.50%	$500	-	4 Year IRA Certificate
1.50%	$500	-	4 Year Roth IRA Certificate
1.50%	$500	-	4 Year Educational IRA Certificate
1.25%	$500	-	3 Year IRA Certificate
1.25%	$500	-	3 Year Roth IRA Certificate
1.25%	$500	-	3 Year Educational IRA Certificate
1.05%	$500	-	2 Year IRA Certificate
1.05%	$500	-	2 Year Roth IRA Certificate
1.05%	$500	-	2 Year Educational IRA Certificate
0.70%	$500	-	1 Year IRA Certificate
0.70%	$500	-	1 Year Roth IRA Certificate
0.70%	$500	-	1 Year Educational IRA Certificate

Rates updated: 5/24/2013

Data for Q4 2012

Institution Statistics

CAL-COM
NCUA #	18935
BankRate Report	View
Year Chartered	1968
Employees	37
Primary Regulator
Assets and Liabilities
Assets	$116.50 million
Loans	$86.97 million
Deposits	$105.99 million
Equity Capital	$9.77 million
Loan Loss Allowance	$251,000
Unbacked Noncurrent Loans	$128,000
Historic Data - December 2011
Assets	$109.72 million
Equity Capital	$9.70 million
Loan Loss Allowance	$205,000
Unbacked Noncurrent Loans	$153,000
Profit Margin - Quarterly
Net Interest Margin	3.96%
Return on Assets	0.38%
Return on Equity	4.57%
Interest Income	$4.48 million
Non-Interest Income	$1.51 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
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, 2012 Cal-Com Credit Union (TX) had $128,000 in non-current loans and owned real-estate with $10.02 million in equity and loan loss allowances on hand to cover it. This gives Cal-Com Credit Union (TX) a Texas Ratio of 1.28% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Cal-Com Credit Union (TX) decreased slightly from 1.55% as of December 31, 2011 to 1.28% as of December 31, 2012, resulting in a positive change of 17.33%.This indicates that the balance sheet and financial strength for Cal-Com Credit Union (TX) has improved slightly in recent periods.
Deposit Growth
In the past year, Cal-Com Credit Union (TX) has increased its total deposits by $6.45 million, resulting in 6.48% 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
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 $116.5 million in assets with $10.02 million in equity, resulting in a capitalization level of 8.60%, which is average.