Cal-Com Credit Union (TX)

Cal-Com Credit Union (TX) is headquartered in Port Lavaca and is the 103^rd largest credit union in the state of Texas. It is also the 1,345^th largest credit union in the nation. It was established in 1968 and as of December of 2011, it had grown to 39 employees and 15,719 members. Cal-Com Credit Union (TX) has a 5-star health rating.

Related Posts

Cal-Com Credit Union (TX) Checking Account Rates

Cal-Com Credit Union (TX) Savings Account Rates

Cal-Com Credit Union (TX) Money Market Rates

Cal-Com Credit Union (TX) CD Rates

Cal-Com Credit Union (TX) IRA Rates

Data for Q4 2011

Institution Statistics CAL-COM NCUA # 18935 BankRate Report View Year Chartered 1968 Employees 39 Primary Regulator Assets and Liabilities Assets $109.72 million Loans $78.28 million Deposits $99.54 million Equity Capital $9.70 million Loan Loss Allowance $205,000 Unbacked Noncurrent Loans $153,000 Historic Data - December 2010 Assets $95.10 million Equity Capital $9.13 million Loan Loss Allowance $499,000 Unbacked Noncurrent Loans $129,000 Profit Margin - Quarterly Net Interest Margin 4.39% Return on Assets 0.83% Return on Equity 9.39% Interest Income $4.47 million Non-Interest Income $1.48 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, 2011 Cal-Com Credit Union (TX) had $153,000 in non-current loans and owned real-estate with $9.9 million in equity and loan loss allowances on hand to cover it. This gives Cal-Com Credit Union (TX) a Texas Ratio of 1.55% 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) held steady from 1.34% as of December 31, 2010 to 1.55% as of December 31, 2011, resulting in a negative change of 15.31%. This indicates that the balance sheet and financial strength for Cal-Com Credit Union (TX) has held steady in recent periods. Deposit Growth In the past year, Cal-Com Credit Union (TX) has increased its total deposits by $14.6 million, resulting in 17.18% 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 $109.72 million in assets with $9.9 million in equity, resulting in a capitalization level of 9.02%, which is average.

No reviews have been left for this bank yet. Be the first to review.