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
Call Report peers
Community Resource in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Community Resource sits in 90-94 with 747 others.
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 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).
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).
- One place up in Texas, LAREDO (#60) ties at 93/100; one place down, One Source (#62) ties at 93/100.
Quarter path for Community Resource
Community Resource: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.4% from $946.9M (2025Q4) to $933.6M (2026Q1).
- Net-worth ratio shifted +0.42 pp (10.14% → 10.56%).
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
Community Resource gives up 7 points in total. Member Growth costs the most, 5.8 of its 15; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is Community Resource financially healthy?
Community Resource has a financial health score of 93/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #665 of 4,374 nationally on health and #61 of 386 in Texas. Its net worth ratio is 10.56% and its delinquency rate 0.52%.
How does Community Resource compare to other credit unions?
Community Resource scores 93/100, higher than 84% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (91.49% vs 83.90%). Its widest shortfall is net worth ratio (10.56% vs 11.18%).
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?
Community Resource is a state-chartered 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 10.56% 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.