State credit union · NEW ROCKFORD, North Dakota · NCUA charter #61336
COMMUNITY
Health score 67/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 67
- Health / 100
- $173.4M
- Total assets
- 4,092
- Members
- 16.6%
- Net-worth ratio
COMMUNITY scores 67/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $173.4M; members 4,092; net-worth ratio 16.60%; health rank #3,752 of 4,374; healthier than 13th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,752 of 4,374 health · 2025Q4COMMUNITY · health 67/100 · $173.4M · 2025Q4
- ASSETS 67/100
- MEM 16.6%
- RANK 0.07%
- PHOTO -0.41%
- BOOK $173.4M
- CHARTER 4,092
- NCUSIF #3,752/4,374
- CAMELS Valley Isle Community
- HEALTH 61336
Call Report peers
COMMUNITY in the assets neighbourhood
COMMUNITY's $173.4M assets sit next to Valley Isle Community ($173.2M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
COMMUNITY vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
67 13th percentile higher than 13% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
COMMUNITY - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #61336, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
COMMUNITY: Call Report deltas vs peers
- Strongest edge vs 1069 $100M–$500M peers is Net Worth Ratio: +4.49 pp (16.60% vs 12.11%).
- Largest lag: Loan-to-Share Ratio at 21.91% vs peer 72.20% (-50.29 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
North Dakota standing for COMMUNITY
- North Dakota health ordinal: #26 of 29.
- North Dakota assets place: #10 of 29.
- Membership ranks #11 of 29 among North Dakota CUs with a reported count (4,092 members).
In-state ordinals use the live credit_unions table for ND only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for COMMUNITY
COMMUNITY: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.8% from $173.4M (2025Q4) to $178.3M (2026Q1).
- Net-worth ratio shifted -0.10 pp (16.70% → 16.60%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 16.60% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 67/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 67.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 0.8 pts
- Member Growth 3.3 pts
- Loan-to-Share Ratio 7.9 pts
Call Report ratios for COMMUNITY
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.60% | +4.49 pp |
| Delinquency Rate | 0.07% | -0.82 pp |
| Return on Assets | -0.41% | -1.03 pp |
| Member Growth | -3.17% | - |
| Loan-to-Share Ratio | 21.91% | -50.29 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $178.3M | - |
| 2025Q4 | $173.4M | 4,092 |
| 2024Q4 | $174.3M | 4,226 |
| 2023Q4 | $179.7M | 4,381 |
Credit Union Details
- Charter Number
- 61336
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- North Dakota
- City
- NEW ROCKFORD
- Data Quarter
- 2025Q4
Branch Locations (4)
The NCUA branch filing lists 4 physical offices for COMMUNITY, spread across 4 cities in 2 states.
| Office | City |
|---|---|
| New Rockford Office (Main Office) | New Rockford, ND |
| Carrington Branch | Carrington, ND |
| Fessenden Branch | Fessenden, ND |
| Finastra | Lake Mary, FL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in North Dakota
More federally-insured credit unions based in North Dakota, ordered by peer group match and asset size.
Other-state peers near COMMUNITY
Two NCUA Call Report peer sets for COMMUNITY, both outside North Dakota so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($173.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (67/100 here).
Using this data
- COMMUNITY ranks #3,752 of 4,374 nationally on financial health and #26 of 29 in ND -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Aspire Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Aspire Community
- Rates and health both vary by institution, not just by state -- see how North Dakota credit unions compare overall before assuming this one is typical. North Dakota state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is COMMUNITY financially healthy?
A 16.60% net worth ratio and a 0.07% delinquency rate feed into COMMUNITY's financial health score of 67/100 (Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,752 of 4,374; by total assets it ranks #1,383 of 4,374 nationally (same basis as /rankings/largest); and #10 of 29 within North Dakota. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does COMMUNITY compare to other credit unions?
67/100 is COMMUNITY's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join COMMUNITY?
Membership eligibility for COMMUNITY depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact COMMUNITY directly for current membership requirements and application steps.
Is my money safe at COMMUNITY?
Federal credit unions like COMMUNITY are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. COMMUNITY's net worth ratio of 16.60% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does COMMUNITY offer compared to banks?
Credit unions like COMMUNITY are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact COMMUNITY directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.