BlastPoint's Credit Union Scorecard
CALCOM
Charter #18623 · CA
CALCOM has 7 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.90% above tier average
- + Total Loans: Top 1.2% in tier
- + Fee Income Per Member: Top 2.6% in tier
- + Total Members: Top 5.5% in tier
- + Total Assets: Top 6.3% in tier
- + Total Deposits: Top 7.6% in tier
- + Loan-to-Share Ratio: Top 8.6% in tier
Key Concerns
Areas that may need attention
- - Member decline: -9.5% YoY
- - First Mortgage Concentration (%): Bottom 4.5% in tier
- - Member Growth Rate: Bottom 6.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,868
-9.5% YoY-1.6% QoQ
|
+4.2K |
2,676
+1.6% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
Top 5.6% in tier |
| Assets |
$82.6M
-2.0% YoY+0.1% QoQ
|
+$52.4M |
$30.2M
+1.3% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
Top 6.3% in tier |
| Loans |
$61.0M
-6.3% YoY+0.1% QoQ
|
+$45.8M |
$15.3M
-2.0% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
Top 1.3% in tier |
| Deposits |
$68.3M
-3.8% YoY-0.5% QoQ
|
+$42.5M |
$25.8M
+0.7% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
Top 7.7% in tier |
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| ROA |
1.0%
+173.9% YoY+7.3% QoQ
|
+0.9% |
0.1%
-77.6% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
71% |
| NIM |
3.7%
-1.9% YoY-2.8% QoQ
|
-0.3% |
4.0%
+4.0% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
44% |
| Efficiency Ratio |
80.5%
-9.2% YoY+3.1% QoQ
|
-10.1% |
90.6%
+6.5% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
47% |
| Delinquency Rate |
0.3%
-49.2% YoY-53.0% QoQ
|
-1.2 |
1.5%
+3.8% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
34% |
| Loan To Share |
89.4%
-2.6% YoY+0.5% QoQ
|
+30.9% |
58.5%
-3.0% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
Top 8.7% in tier |
| AMR |
$18,830
+5.0% YoY+1.4% QoQ
|
+$4K |
$14,884
-1.7% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
73% |
| CD Concentration |
23.7%
+17.2% YoY+3.3% QoQ
|
-0.6% | 24.3% | 21.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.0% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)