# CALCOM
LONG BEACH, CA · NCUA charter 18623 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/calcom-18623

Who the members are: federal charter, multiple common bond, organized 1968, low-income designated, minority depository institution. 6,868 members of 27,500 potential (25.0% of the field); checking penetration 27% (share draft accounts per 100 members); loans per 100 members 29.

**Verdict on the desk:** this could be *quiet fade*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $82.6M |
| Members | 6,868 (-9.5% YoY) |
| Full-time staff | 22 |
| Net worth | $13.6M |
| Net worth ratio | 16.5% (p79 of band) |
| ROA (annualized) | 1.05% (p68 of band) |
| Total delinquency | 0.30% (p29 of band) |
| Net charge-offs (annualized) | 0.20% (p45 of band) |
| Loans / shares | 89% (p95 of band) |
| Cash / assets | 12.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.69% (p52 of band) |
| Operating expense / assets | 4.60% (p80 of band) |
| Vehicles % of loans | 17% (p10 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 1.27% (p78 of band) |
| Vehicle NCO | 0.40% (p61 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 77% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 72% |
| Certificates % of member funds | 24% |
| Average share balance | $5,555 |
| Participations bought / yr | $0 |
| Participations sold / yr | $11.6M |
| Participations outstanding | $0 |
| Loans outstanding per 100 members | 29% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $30,569 |
| Loans granted, annualized | $10.2M |

## Participation posture (from the same filings)

Bought $0 and sold $11.6M in the latest annualized quarter; $0 outstanding purchased (0.0% of net worth), $321,542 sold and retained. Sold in 4 and bought in 0 of the last 8 quarters. Shares -3.8% year over year.

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | net worth falling |  |
| 2017-09 | 0 |  | net worth falling |
| 2017-12 | 1 | members leaving |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 2 | delinquency rising |  |
| 2018-09 | 1 |  | delinquency rising |
| 2018-12 | 3 | delinquency 2x band, delinquency rising |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 1 |  | delinquency 2x band, delinquency rising |
| 2019-09 | 1 | delinquency rising | members leaving |
| 2019-12 | 0 |  | delinquency rising |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | net worth falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 2 | margin squeeze |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 1 | members leaving | net worth falling, margin squeeze |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | net worth falling |  |
| 2022-06 | 1 | delinquency rising | members leaving, net worth falling |
| 2022-09 | 0 |  | delinquency rising |
| 2022-12 | 1 | members leaving |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | delinquency rising |  |
| 2023-12 | 1 |  | members leaving |
| 2024-03 | 1 |  |  |
| 2024-06 | 3 | losing money, delinquency 2x band |  |
| 2024-09 | 2 |  | losing money |
| 2024-12 | 4 | assets shrinking, loans>95% of shares |  |
| 2025-03 | 1 |  | delinquency rising, delinquency 2x band, loans>95% of shares |
| 2025-06 | 3 | members leaving, loan book shrinking |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 1 |  | assets shrinking, loan book shrinking |
| 2026-03 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2014-12-31 [FBI releases photographs of CalCom credit union robbers in Torrance - Daily Breeze](https://news.google.com/rss/articles/CBMiugFBVV95cUxNbTVHckVoeTJuUGl0QTdhbUZ0bkdJTHBSal9xbG00MHByV0VFTDBtLVhGUDhkTjhPRk9helgtczhIR2MtTWx0YmtPZWp3SUJIdVhZUUJ0X0JiemlobUVvZTBzeml3Z0VGdWpoUUIwdC1LUEk3Zml6NF85dFYtME5GNWdaXy1nNGc4OHZycEszaGJfMnZvbGNycVJpcEN4Q25tbVZMdUR3dXVNM1BfZTVPZnBpTXptU0FYU0E?oc=5) · Daily Breeze
- 2025-08-28 [Huntington Beach Credit Union appoints Aron Harrington as President/CEO - CUInsight](https://news.google.com/rss/articles/CBMisgFBVV95cUxNalAtcDlKM09jSXBSV0dVblZrZmg1Wm5wVHFxdFc3eXFwblUwMGNXUWtqN253NGRwb214am84aktUQXVkNmtlaldOR08wd3NJa0VlbDYxZ1NfNDdyWW9HZVV6QWdlN2Zwbnp4SF9yNFl1VWdMSC1RSklTeTRMLW9KQmE5OU9DOHFXUGJqaXNFd1JuMm9OOTBwQ2VwOXRybWJpVEU0dm1QZFBWNlIyblU4LVdB?oc=5) · CUInsight
- 2016-08-24 [Secrets of High-Performing Boards and CEO Sharing - American Banker](https://news.google.com/rss/articles/CBMipgFBVV95cUxQYTNyUi1kcnBsbkdkUGJMZ0FUZ3hkaVlpdkVEMFhHeTZaQmh3WXVtNXJ2c1JwMFU4cHY5SjU2cWdlemVZaXBiVTUwMmk0ZWd3cnlHN1dleEtqSThPM250WHAxcUVMT0JDY3BVcHJGRWVsYUpVdzdqdGJROEJyOW9mVWR5dmsxOUZlckU1VXJTV1EyX1E2eGNrZU5nMHFOcEdZdHdTVnlR?oc=5) · American Banker
- 2015-01-15 [CalCom credit union robbers also held up Wells Fargo in Rancho Palos Verdes, FBI says - Daily Breeze](https://news.google.com/rss/articles/CBMi0AFBVV95cUxNWWkwVFRWS1FVNnRIMlYtdThqVmx3V1JyeUt1TldNQ3dPaWNPbjZHbXdjd1lYbGZCVmk1VlN0c2I2QkF2RkNGQWlWNmpEd3NMRjN5OU04VEt1OTQ4S1NPTHdOWnVQaGpyTUpJZmVxdm1Ydm85bTQxT0pEYXdsVnVkUnBYdHI4Vm9hUDNKREIxVHBaUWZsek1kMVk3MzlxQUs3LVZ6Nk5oRkt6bHp5MkhiNFR6YUpSX19tS1BFUEtFdEcxMXc1MGtFeXl1M2tRLVpf?oc=5) · Daily Breeze
- 2015-01-20 ['Two Guys And A Girl Bandits' Rob South Bay Banks - Patch](https://news.google.com/rss/articles/CBMikAFBVV95cUxOWnZ6OVp5QnlQQTRkcnEtVVVzWEk1RFFQMkZPcm5kR0YtMndDMUo1UU5RSnlvNXNmMmZrQ2JYb2dhVExRQWN0TUEtV21SWFBoZjNCZ1FmWVNuVElFby1vdkJ0QXI0cEIzUms5NDRMcTZ5LWQxbFpVcUt2VDBoUDNsMkZKeWpGTFljS1pCX3ZxOTM?oc=5) · Patch
- 2024-06-14 [Imelda Delgado Bambery - Orange County Register](https://news.google.com/rss/articles/CBMif0FVX3lxTFB4NGV3S1g2cU5PWXhFNVpKRXdNZ0tWQlpZMENHcUpFcjhGME5uc2hwdnhXNUoyaVU4V0RrMXVRMk1ZMkZHX0M3am5iUjBHMmNtelZnMTFTdDBPRWtEcUw3QWxvdGdVSFBqTjFMdVU1R1lxbzkxLXZyZG5NSGhXZk0?oc=5) · Orange County Register

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=18623 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/63.json (key "18623", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=18623
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide