State credit union · Huntsville, Texas · NCUA charter #67974
Community Service
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $164.7M
- Total assets
- 11,282
- Members
- 9.3%
- Net-worth ratio
Community Service scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $164.7M; members 11,282; net-worth ratio 9.29%; health rank #1,335 of 4,374; healthier than 69th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,335 of 4,374 health · 2025Q4Community Service · health 89/100 · $164.7M · 2025Q4
- PHOTO 89/100
- BOOK 9.3%
- CHARTER 0.77%
- NCUSIF 0.36%
- CAMELS $164.7M
- HEALTH 11,282
- NW #1,335/4,374
- DELQ Best Reward
- ROA 67974
Call Report peers
Community Service in the assets neighbourhood
Community Service's $164.7M assets sit next to Best Reward ($164.8M) 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 Service 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
89 Top 31% higher than 69% 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 Service - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #67974: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Community Service vs $100M–$500M peers
- Largest favorable gap: Loan-to-Share Ratio at 84.82% vs peer 72.20% (+12.62 pp).
- Net Worth Ratio trails the peer set - 9.29% here, 12.11% peer average (-2.82 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Community Service sits in Texas
- Texas health ordinal: #125 of 386.
- By total assets, Community Service is #117 of 386 in Texas.
- Texas membership ordinal: #121 of 386.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Community Service's 5300 filing moved
Community Service: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.1% from $164.7M (2025Q4) to $162.9M (2026Q1).
- Net-worth ratio shifted +0.12 pp (9.17% → 9.29%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.29%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 89/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- Net Worth Ratio 28.2 pts
- Delinquency Rate 22.3 pts
- Return on Assets 12.9 pts
- Member Growth 11.0 pts
- Loan-to-Share Ratio 14.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.29% | -2.82 pp |
| Delinquency Rate | 0.77% | -0.12 pp |
| Return on Assets | 0.36% | -0.26 pp |
| Member Growth | 1.69% | - |
| Loan-to-Share Ratio | 84.82% | +12.62 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).
Community Service quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $162.9M | - |
| 2025Q4 | $164.7M | 11,282 |
| 2024Q4 | $151.7M | 11,094 |
| 2023Q4 | $141.9M | 10,877 |
Credit Union Details
- Charter Number
- 67974
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Texas
- City
- Huntsville
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Community Service.
| Office | City |
|---|---|
| Community Service Credit Union (Main Office) | Huntsville, TX |
| Montgomery Road | Huntsville, 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.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Community Service - kept outside Texas; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($164.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
Using this data
- Community Service ranks #1,335 of 4,374 nationally on financial health and #125 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Communities of Abilene is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Communities of Abilene
- 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 Service financially healthy?
Community Service has a financial health score of 89/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,335 of 4,374; by total assets it ranks #1,421 of 4,374 nationally (same basis as /rankings/largest); and #117 of 386 within Texas. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 9.29% and delinquency rate of 0.77%.
How does Community Service compare to other credit unions?
On PlainCU's health composite, Community Service lands at 89/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), 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 Service?
Membership eligibility for Community Service depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Community Service directly for current membership requirements and application steps.
Is my money safe at Community Service?
Federal credit unions like Community Service 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 Service's net worth ratio of 9.29% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Community Service offer compared to banks?
Credit unions like Community Service 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 Service 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.