BlastPoint's Credit Union Scorecard
CAL-COM
Charter #18935 · TX
CAL-COM has 1 strength but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.31% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Margin Compression: Bottom 50.0% in tier
- - Indirect Auto Concentration (%): Bottom 0.1% in tier
- - Share Certificate Concentration (%): Bottom 6.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
16,062
-0.2% YoY-0.5% QoQ
|
+624 |
15,437
-2.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
62% |
| Assets |
$225.3M
+6.1% YoY+0.4% QoQ
|
$-6.6M |
$231.9M
+1.3% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
58% |
| Loans |
$119.1M
+2.6% YoY-2.3% QoQ
|
$-28.2M |
$147.3M
-0.1% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
47% |
| Deposits |
$198.9M
+5.9% YoY+0.6% QoQ
|
$-1.9M |
$200.8M
+0.8% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
58% |
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| ROA |
1.1%
-15.8% YoY-7.6% QoQ
|
+0.3% |
0.8%
+18.2% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
72% |
| NIM |
2.9%
-0.7% YoY+0.5% QoQ
|
-0.7% |
3.6%
+6.7% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
Bottom 12.7% in tier |
| Efficiency Ratio |
63.3%
+3.2% YoY+4.0% QoQ
|
-13.7% |
77.0%
-3.1% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Top 11.6% in tier |
| Delinquency Rate |
0.3%
-28.7% YoY+54.4% QoQ
|
-0.6 |
0.9%
+4.2% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
Top 14.3% in tier |
| Loan To Share |
59.9%
-3.2% YoY-2.9% QoQ
|
-12.3% |
72.2%
-1.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
23% |
| AMR |
$19,803
+4.8% YoY-0.0% QoQ
|
$-5K |
$24,676
+3.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
32% |
| CD Concentration |
41.0%
+1.4% YoY-0.5% QoQ
|
+16.6% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % |
87.4%
+1.1% YoY-0.5% QoQ
|
+73.6% | 13.8% | 7.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)