State credit union · JOHNSTON, Iowa · NCUA charter #65078
Community Choice
Health score 96/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $902.7M
- Total assets
- 53,548
- Members
- 12.4%
- Net-worth ratio
Community Choice scores 96/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $902.7M; members 53,548; net-worth ratio 12.39%; health rank #251 of 4,374; healthier than 93rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#251 of 4,374 health · 2025Q4Community Choice · health 96/100 · $902.7M · 2025Q4
- HEALTH 96/100
- NW 12.4%
- DELQ 0.58%
- ROA 0.72%
- ASSETS $902.7M
- MEM 53,548
- RANK #251/4,374
- PHOTO CERTIFIED
- BOOK 65078
Call Report peers
Community Choice in the assets neighbourhood
Community Choice's $902.7M assets sit next to CERTIFIED ($903.1M) 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 Choice 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
96 Top 7% higher than 93% 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 Choice - Share Insurance Coverage
Charter #65078's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Where Community Choice diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 95.91% here, 83.90% peer average (+12.01 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Iowa standing for Community Choice
- Health composite ranks #4 of 66 among scored Iowa credit unions.
- Iowa assets place: #7 of 66.
- Iowa membership ordinal: #6 of 66.
In-state ordinals use the live credit_unions table for IA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Community Choice Call Report trajectory
Community Choice: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.8% from $902.7M (2025Q4) to $918.6M (2026Q1).
- Net-worth ratio shifted +0.15 pp (12.24% → 12.39%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 12.39% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 96/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 96.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.2 pts
- Return on Assets 15.0 pts
- Member Growth 14.8 pts
- Loan-to-Share Ratio 12.0 pts
Community Choice health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.39% | +1.21 pp |
| Delinquency Rate | 0.58% | -0.30 pp |
| Return on Assets | 0.72% | +0.21 pp |
| Member Growth | 4.82% | - |
| Loan-to-Share Ratio | 95.91% | +12.01 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Call Report history - Community Choice
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $918.6M | - |
| 2025Q4 | $902.7M | 53,548 |
| 2024Q4 | $809.9M | 51,085 |
| 2023Q4 | $805.7M | 50,948 |
Credit Union Details
- Charter Number
- 65078
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Iowa
- City
- JOHNSTON
- Data Quarter
- 2025Q4
Branch Locations (12)
Per its most recent NCUA branch filing, Community Choice runs 12 offices in 10 different cities.
| Office | City |
|---|---|
| Johnston Administration Office (Main Office) | Johnston, IA |
| Altoona | Altoona, IA |
| Ames | Ames, IA |
| Ankeny | Ankeny, IA |
| Clive | Clive, IA |
| Downtown | Des Moines, IA |
| Locust Experience Center | Des Moines, IA |
| Grimes Unbanking Center | Grimes, IA |
| Johnston | Johnston, IA |
| Marshalltown | Marshalltown, IA |
| Waterloo (former PECU Branch) | Waterloo, IA |
| West Waukee | Waukee, IA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Iowa
More federally-insured credit unions based in Iowa, ordered by peer group match and asset size.
Other-state peers near Community Choice
Two NCUA Call Report peer sets for Community Choice, both outside Iowa 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 ($902.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (96/100 here).
Using this data
- Community Choice ranks #251 of 4,374 nationally on financial health and #4 of 66 in IA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Community 1st is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Community 1st
- Rates and health both vary by institution, not just by state -- see how Iowa credit unions compare overall before assuming this one is typical. Iowa 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 Choice financially healthy?
Yes/no aside, the number is 96/100 (Excellent) - Community Choice's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #251 of 4,374; by total assets it ranks #509 of 4,374 nationally (same basis as /rankings/largest); and #7 of 66 within Iowa. Above 80 reads excellent, below 50 warrants closer monitoring; a 12.39% net worth ratio and 0.58% delinquency rate are the key drivers.
How does Community Choice compare to other credit unions?
PlainCU's health composite puts Community Choice at 96/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (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 Choice?
Membership eligibility for Community Choice depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Community Choice directly for current membership requirements and application steps.
Is my money safe at Community Choice?
Federal credit unions like Community Choice 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 Choice's net worth ratio of 12.39% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Community Choice offer compared to banks?
Credit unions like Community Choice 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 Choice 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.