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
Call Report peers
Community Resource in the assets neighbourhood
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Community Resource vs every NCUA-scored credit union
Community Resource sits in the busiest band, 85-89, alongside 857 other credit unions.
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
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).
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).
- One place up in New York, Finger Lakes Health Care (#112) ties at 85/100; one place down, Cattaraugus County Employees (#114) ties at 85/100.
Community Resource Call Report trajectory
Community Resource: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.6% from $119.1M (2025Q4) to $119.8M (2026Q1).
- Net-worth ratio shifted +0.02 pp (12.00% → 12.02%).
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
Community Resource gives up 15 points in total. Return on Assets costs the most, 10.3 of its 15; Net Worth Ratio and Member Growth and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is Community Resource financially healthy?
Community Resource has a financial health score of 85/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,969 of 4,374 nationally on health and #113 of 272 in New York. Its net worth ratio is 12.02% and its delinquency rate 0.96%.
How does Community Resource compare to other credit unions?
Community Resource scores 85/100, higher than 54% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (84.39% vs 72.20%). Its widest shortfall is return on assets (0.00% vs 0.62%).
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?
Community Resource 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 Resource's net worth ratio of 12.02% 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.