Federal credit union · HUNTINGTON, Indiana · NCUA charter #24770
Community Link
Health score 88/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $37.3M
- Total assets
- 2,632
- Members
- 11.7%
- Net-worth ratio
Community Link - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #24770, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Community Link - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)86
- Earnings (ROA)100
- Member growth49
- Liquidity (loan-to-share)91
Weighted composite: 88/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 11.66% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 11.66% | 30% |
| Delinquency Rate | 0.84% | 25% |
| Return on Assets | 0.86% | 15% |
| Member Growth | -0.90% | 15% |
| Loan-to-Share Ratio | 64.11% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $37.3M | 2,632 |
| 2024Q4 | $34.9M | 2,656 |
| 2023Q4 | $29.3M | 2,698 |
Credit Union Details
- Charter Number
- 24770
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Indiana
- City
- HUNTINGTON
- Data Quarter
- 2025Q4
What This Data Says About Community Link
Charter #24770, peer group $10M–$50M, a cohort of 1163 similarly-sized institutions: that's Community Link, a federal credit union in HUNTINGTON, Indiana with 2,632 members, $37.3M in total assets, and $20.9M in outstanding loans as of Q4 2025. The five-factor composite scores it 88/100 (Excellent), helped by a net worth ratio of 11.66% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
On loan book quality: 0.84% of loans are 60+ days past due against the total loan book - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Meanwhile a 64.11% loan-to-share ratio shows how aggressively member deposits get deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.86% on net income of $321K 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 -0.90%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Community) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Indiana
Other federally-insured credit unions in Indiana, closest first by peer group 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 Link financially healthy?
Yes/no aside, the number is 88/100 (Excellent) - Community Link's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 11.66% net worth ratio and 0.84% delinquency rate are the key drivers.
How does Community Link compare to other credit unions?
Five weighted metrics from NCUA filings produce Community Link's 88/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Link?
Community Link operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Community Link directly for the exact boundaries and application steps.
Is my money safe at Community Link?
Federal credit unions like Community Link 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 Link's net worth ratio of 11.66% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Community Link offer compared to banks?
Credit unions like Community Link 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 Link 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.