State credit union · NEW ROCKFORD, North Dakota · NCUA charter #61336
Community
Health score 38/100 (Weak) - from the NCUA 5300 Call Report, 2025Q4.
- 38
- Health / 100
- $173.4M
- Total assets
- 4,092
- Members
- 0.2%
- Net-worth ratio
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 - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)2
- Asset quality (delinquency)100
- Earnings (ROA)5
- Member growth22
- Liquidity (loan-to-share)53
Weighted composite: 38/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This institution's 0.20% net worth ratio sits below the NCUA's 7.0% well-capitalized threshold.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 0.20% | 30% |
| Delinquency Rate | 0.07% | 25% |
| Return on Assets | -0.41% | 15% |
| Member Growth | -3.17% | 15% |
| Loan-to-Share Ratio | 21.91% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Community
Community is a state credit union headquartered in NEW ROCKFORD, North Dakota, serving 4,092 members with $173.4M in total assets and $31.3M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 38/100 (Weak), anchored by a net worth ratio of 0.20% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #61336 operates under peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
Deposits deployed into lending sit at a 21.91% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 0.07% of the book 60+ days past due - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. Return on assets stands at -0.41% on net income of $-713958 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -3.17%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in North Dakota
More federally-insured credit unions based in North Dakota, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Community financially healthy?
A 0.20% net worth ratio and a 0.07% delinquency rate feed into Community's financial health score of 38/100 (Weak), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Community compare to other credit unions?
38/100 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 0.20% is relative to 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.
Read our methodology - how this data is sourced, computed, and verified.
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.