Federal credit union · HUNTINGTON, Indiana · NCUA charter #24770
Community Link
Health score 88/100, grade A (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 scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $37.3M; members 2,632; net-worth ratio 11.71%; health rank #1,459 of 4,374; healthier than 65th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,459 of 4,374 health · 2025Q4Community Link · health 88/100 · $37.3M · 2025Q4
- NCUSIF 88/100
- CAMELS 11.7%
- HEALTH 0.84%
- NW 0.86%
- DELQ $37.3M
- ROA 2,632
- ASSETS #1,459/4,374
- MEM Garden State
- RANK 24770
Call Report peers
Community Link in the assets neighbourhood
Community Link's $37.3M assets sit next to Garden State ($37.4M) 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 Link 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
88 Top 35% higher than 65% 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 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.
Where Community Link diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 64.11% here, 59.80% peer average (+4.31 pp).
- Largest lag: Net Worth Ratio at 11.71% vs peer 14.86% (-3.15 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Indiana standing for Community Link
- Indiana health ordinal: #46 of 124.
- Assets rank #79 of 124 inside Indiana ($37.3M reported).
- Indiana membership ordinal: #84 of 124.
In-state ordinals use the live credit_unions table for IN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Community Link's 5300 filing moved
Community Link: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.9% from $37.3M (2025Q4) to $37.7M (2026Q1).
- Net-worth ratio shifted +0.05 pp (11.66% → 11.71%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 11.71% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 88/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.6 pts
- Return on Assets 15.0 pts
- Member Growth 7.4 pts
- Loan-to-Share Ratio 14.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.71% | -3.15 pp |
| Delinquency Rate | 0.84% | -0.31 pp |
| Return on Assets | 0.86% | +0.15 pp |
| Member Growth | -0.90% | - |
| Loan-to-Share Ratio | 64.11% | +4.31 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $37.7M | - |
| 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
Branch Locations (2)
Community Link operates 2 offices in Huntington, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Community Link FCU (Main Office) | Huntington, IN |
| Community Link FCU OSV Office | Huntington, IN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Indiana
Other federally-insured credit unions in Indiana, closest first by peer group and asset size.
Community Link nationwide neighbourhoods
Two NCUA Call Report peer sets for Community Link, both outside Indiana 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 ($37.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
Using this data
- Community Link ranks #1,459 of 4,374 nationally on financial health and #46 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- City of Firsts Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with City of Firsts Community
- Rates and health both vary by institution, not just by state -- see how Indiana credit unions compare overall before assuming this one is typical. Indiana 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 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,459 of 4,374; by total assets it ranks #2,668 of 4,374 nationally (same basis as /rankings/largest); and #79 of 124 within Indiana. Above 80 reads excellent, below 50 warrants closer monitoring; a 11.71% 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 11.71% 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.
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.