CalCom Federal Credit Union

Overview / Commentary

www.calcomcu.org

310-371-4242

3748 Bayer Ave Ste 104
Long Beach, CA 90808

CalCom Federal Credit Union is headquartered in Long Beach and is the 185^th largest credit union in the state of California. It is also the 2,060^th largest credit union in the nation. It was established in 1968 and as of June of 2019, it had grown to 20 employees and 7,450 members at 3 locations. CalCom Federal Credit Union's CD rates are 3X the national average, and it has a B health rating.

Field of Membership Restrictions

Membership is open to employees and retirees of Astoria / G&E Healthcare Inc., Catholic Healthcare West of Southern California, UnitedHealth Group, City of South Gate, and other select organizations.
See current membership details

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Health

Data as of Q2 2019

Learn why bank health matters

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. CalCom Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #	18623
Year Chartered	1968
Employees	20
Primary Regulator

Profit Margin
Return on Assets - YTD	0.9%
Return on Equity - YTD	6.27%
Annual Interest Income	$1.4MM

Assets and Liabilities
Assets	Q2 2019vs Q2 2018	$65.2MM$65.1MM
Loans	Q2 2019vs Q2 2018	$45.3MM$45.4MM
Deposits	Q2 2019vs Q2 2018	$54.9MM$55.3MM
Equity Capital	Q2 2019vs Q2 2018	$9.4MM$8.8MM
Loan Loss Allowance	Q2 2019vs Q2 2018	$352.00K$454.00K
Unbacked Noncurrent Loans	Q2 2019vs Q2 2018	$497.00K$368.00K
Real Estate Owned	Q2 2019vs Q2 2018	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

CalCom Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.54%^*	$50k^*	-	Individual Retirement Account
OTHER TIERS: 0.16% → $5 - $5k \| 0.32% → $5k - $50k
0.12%^*	$50k^*	-	Regular Shares Account
OTHER TIERS: 0.04% → $5 - $5k \| 0.08% → $5k - $50k
0.12%^*	$5k^*	-	Kid's Accounts
OTHER TIERS: 0.04% → $5 - $500 \| 0.08% → $500 - $5k
0.12%^*	$5k^*	-	Youth Account
OTHER TIERS: 0.04% → $5 - $500 \| 0.08% → $500 - $5k

CalCom Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.24%^*	$50k^*	-	Money Market Account
OTHER TIERS: 0.08% → $2.5k - $5k \| 0.16% → $5k - $50k

CalCom Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.12%^*	$50k^*	-	Share Draft Account
OTHER TIERS: 0.04% → $5 - $5k \| 0.08% → $5k - $50k

CalCom Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.04%^*	$250k^*	-	36 Month Share Certificate
OTHER TIERS: 2.02% → $2.5k - $50k \| 2.27% → $50k - $100k \| 2.53% → $100k - $250k
2.78%^*	$250k^*	-	24 Month Share Certificate
OTHER TIERS: 1.76% → $2.5k - $50k \| 2.02% → $50k - $100k \| 2.27% → $100k - $250k
2.53%^*	$250k^*	-	12 Month Share Certificate
OTHER TIERS: 1.51% → $2.5k - $50k \| 1.76% → $50k - $100k \| 2.02% → $100k - $250k
2.27%^*	$250k^*	-	6 Month Share Certificate
OTHER TIERS: 1.26% → $2.5k - $50k \| 1.51% → $50k - $100k \| 1.76% → $100k - $250k
2.02%^*	$250k^*	-	12 Month Flex Term Share Certificate
OTHER TIERS: 1.51% → $100k - $250k
1.00%	$100k	$250k	12 Month Liquid CD Special

CalCom Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
3.04%^*	$250k^*	-	36 Month IRA Certificate
OTHER TIERS: 2.02% → $2.5k - $50k \| 2.27% → $50k - $100k \| 2.53% → $100k - $250k
2.78%^*	$250k^*	-	24 Month IRA Certificate
OTHER TIERS: 1.76% → $2.5k - $50k \| 2.02% → $50k - $100k \| 2.27% → $100k - $250k
2.53%^*	$250k^*	-	12 Month IRA Certificate
OTHER TIERS: 1.51% → $2.5k - $50k \| 1.76% → $50k - $100k \| 2.02% → $100k - $250k
2.27%^*	$250k^*	-	6 Month IRA Certificate
OTHER TIERS: 1.26% → $2.5k - $50k \| 1.51% → $50k - $100k \| 1.76% → $100k - $250k

Locations

CalCom Federal Credit Union Locations
Branch Office	3400 Torrance Blvd	Torrance, CA 90503
Branch Office	11111 Brookshire Ave	Downey, CA 90241-3817
Corporate Office	3748 Bayer Ave Ste 104	Long Beach, CA 90808-1884

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