Federal credit union · Latham, New York · NCUA charter #770
Community Resource
Health score 85/100 (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 - 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.
Community Resource - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)82
- Earnings (ROA)31
- Member growth100
- Liquidity (loan-to-share)100
Weighted composite: 85/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 12.00%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 12.00% | 30% |
| Delinquency Rate | 0.96% | 25% |
| Return on Assets | 0.00% | 15% |
| Member Growth | 7.14% | 15% |
| Loan-to-Share Ratio | 84.39% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Community Resource
Community Resource is a federal credit union headquartered in Latham, New York, serving 7,279 members with $119.1M in total assets and $88.7M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 85/100 (Excellent), anchored by a net worth ratio of 12.00% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #770 operates under peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
Two more numbers round out the picture: a 0.96% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running looser than peers - and a 84.39% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.00% on net income of $4K 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 7.14%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Community); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
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.
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 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 this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 12.00% 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 12.00% 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.
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.