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
Call Report peers
Community Link in the assets neighbourhood
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Community Link vs every NCUA-scored credit union
Community Link sits in the busiest band, 85-89, alongside 857 other credit unions.
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
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).
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.
- One place up in Indiana, U S #1364 (#45) ties at 88/100; one place down, Mt Zion Indianapolis (#47) scores 87/100, 1 point lower.
How Community Link's 5300 filing moved
Community Link: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.9% from $37.3M (2025Q4) to $37.7M (2026Q1).
- Net-worth ratio shifted +0.05 pp (11.66% → 11.71%).
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
Community Link gives up 12 points in total. Member Growth costs the most, 7.6 of its 15; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is Community Link financially healthy?
Community Link has a financial health score of 88/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,459 of 4,374 nationally on health and #46 of 124 in Indiana. Its net worth ratio is 11.71% and its delinquency rate 0.84%.
How does Community Link compare to other credit unions?
Community Link scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (64.11% vs 59.80%). Its widest shortfall is net worth ratio (11.71% vs 14.86%).
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?
Community Link is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.