Federal credit union · Latham, New York · NCUA charter #770
Community Resource
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $119.1M
- Total assets
- 7,279
- Members
- 12.0%
- Net-worth ratio
Community Resource scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $119.1M; members 7,279; net-worth ratio 12.02%; health rank #1,969 of 4,374; healthier than 54th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,969 of 4,374 health · 2025Q4Community Resource · health 85/100 · $119.1M · 2025Q4
- ROA 85/100
- ASSETS 12.0%
- MEM 0.96%
- RANK 0.00%
- PHOTO $119.1M
- BOOK 7,279
- CHARTER #1,969/4,374
- NCUSIF City Employees
- CAMELS 770
Call Report peers
Community Resource in the assets neighbourhood
Community Resource's $119.1M assets sit next to City Employees ($119.1M) 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 Resource 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
85 Top 46% higher than 54% 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 Resource - Share Insurance Coverage
Charter #770'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 Resource diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 84.39% here, 72.20% peer average (+12.19 pp).
- Return on Assets trails the peer set - 0.00% here, 0.62% peer average (-0.62 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Community Resource in New York
- In New York, health place is #113 of 272 on the same NCUA-ratio sort used nationally.
- New York assets place: #79 of 272.
- Membership ranks #86 of 272 among New York CUs with a reported count (7,279 members).
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Community Resource Call Report trajectory
Community Resource: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.6% from $119.1M (2025Q4) to $119.8M (2026Q1).
- Net-worth ratio shifted +0.02 pp (12.00% → 12.02%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 12.02%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 85/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 85.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.4 pts
- Return on Assets 4.7 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.9 pts
Call Report ratios for Community Resource
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.02% | -0.09 pp |
| Delinquency Rate | 0.96% | +0.06 pp |
| Return on Assets | 0.00% | -0.62 pp |
| Member Growth | 7.14% | - |
| Loan-to-Share Ratio | 84.39% | +12.19 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $119.8M | - |
| 2025Q4 | $119.1M | 7,279 |
| 2024Q4 | $114.2M | 6,794 |
| 2023Q4 | $113.9M | 6,653 |
Credit Union Details
- Charter Number
- 770
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- New York
- City
- Latham
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Community Resource runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| Latham Office (Main Office) | Latham, NY |
| North Greenbush | Rensselaer, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
A look at other New York credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near Community Resource
Community Resource's nationwide photo peers by assets and by health score, excluding New York charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($119.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
Using this data
- Community Resource ranks #1,969 of 4,374 nationally on financial health and #113 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Auburn Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Auburn Community
- Rates and health both vary by institution, not just by state -- see how New York credit unions compare overall before assuming this one is typical. New York 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 Resource financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Community Resource carries a financial health score of 85/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,969 of 4,374; by total assets it ranks #1,681 of 4,374 nationally (same basis as /rankings/largest); and #79 of 272 within New York. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 12.02% net worth ratio and a 0.96% delinquency rate.
How does Community Resource compare to other credit unions?
85/100 is Community Resource'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 Resource?
Community Resource 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 Resource directly for the exact boundaries and application steps.
Is my money safe at Community Resource?
Federal credit unions like Community Resource 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 Resource's net worth ratio of 12.02% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Community Resource offer compared to banks?
Credit unions like Community Resource 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 Resource 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.