State credit union · Baytown, Texas · NCUA charter #68021
Community Resource
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $946.9M
- Total assets
- 57,968
- Members
- 10.6%
- Net-worth ratio
Community Resource scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $946.9M; members 57,968; net-worth ratio 10.56%; health rank #665 of 4,374; healthier than 84th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#665 of 4,374 health · 2025Q4Community Resource · health 93/100 · $946.9M · 2025Q4
- BOOK 93/100
- CHARTER 10.6%
- NCUSIF 0.52%
- CAMELS 0.72%
- HEALTH $946.9M
- NW 57,968
- DELQ #665/4,374
- ROA Financial Center First
- ASSETS 68021
Call Report peers
Community Resource in the assets neighbourhood
Community Resource's $946.9M assets sit next to Financial Center First ($952.2M) 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
93 Top 16% higher than 84% 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
Below: composite supervisory bracket and risk-based capital for charter #68021, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Community Resource vs Over $500M peers
- Loan-to-Share Ratio leads the peer set - 91.49% here, 83.90% peer average (+7.59 pp).
- Net Worth Ratio trails the peer set - 10.56% here, 11.18% peer average (-0.62 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Texas standing for Community Resource
- Texas health ordinal: #61 of 386.
- Texas assets place: #41 of 386.
- Membership ranks #44 of 386 among Texas CUs with a reported count (57,968 members).
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Community Resource
Community Resource: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.4% from $946.9M (2025Q4) to $933.6M (2026Q1).
- Net-worth ratio shifted +0.42 pp (10.14% → 10.56%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 10.56% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 93/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 93.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.8 pts
- Return on Assets 15.0 pts
- Member Growth 9.2 pts
- Loan-to-Share Ratio 14.0 pts
Community Resource health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.56% | -0.62 pp |
| Delinquency Rate | 0.52% | -0.35 pp |
| Return on Assets | 0.72% | +0.21 pp |
| Member Growth | 0.15% | - |
| Loan-to-Share Ratio | 91.49% | +7.59 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Call Report history - Community Resource
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $933.6M | - |
| 2025Q4 | $946.9M | 57,968 |
| 2024Q4 | $895.1M | 57,882 |
| 2023Q4 | $848.9M | 56,709 |
Credit Union Details
- Charter Number
- 68021
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Texas
- City
- Baytown
- Data Quarter
- 2025Q4
Branch Locations (10)
Community Resource operates 10 offices across 5 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Headquarters (Main Office) | Baytown, TX |
| Atascocita Branch | Atascocita, TX |
| Decker Branch | Baytown, TX |
| Alexander Branch | Baytown, TX |
| Garth Road | Baytown, TX |
| HWY 146 | Baytown, TX |
| Chamber Commons | Baytown, TX |
| Crosby Branch | Crosby, TX |
| Mont Belvieu | Mont Belvieu, TX |
| New Caney | New Caney, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
A look at other Texas credit unions, ranked by how closely their peer group and asset size match this one.
Community Resource nationwide neighbourhoods
Community Resource's nationwide photo peers by assets and by health score, excluding Texas charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($946.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (93/100 here).
Using this data
- Community Resource ranks #665 of 4,374 nationally on financial health and #61 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- HOUSTON is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with HOUSTON
- Rates and health both vary by institution, not just by state -- see how Texas credit unions compare overall before assuming this one is typical. Texas 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?
Yes/no aside, the number is 93/100 (Excellent) - Community Resource'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 #665 of 4,374; by total assets it ranks #489 of 4,374 nationally (same basis as /rankings/largest); and #41 of 386 within Texas. Above 80 reads excellent, below 50 warrants closer monitoring; a 10.56% net worth ratio and 0.52% delinquency rate are the key drivers.
How does Community Resource compare to other credit unions?
PlainCU's health composite puts Community Resource at 93/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 Resource?
Membership eligibility for Community Resource depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Community Resource directly for current membership requirements 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 10.56% 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.