Federal credit union · Lenexa, Texas · NCUA charter #15732
COMMUNITYAMERICA
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $8.67B
- Total assets
- 617,156
- Members
- 9.7%
- Net-worth ratio
COMMUNITYAMERICA scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $8.67B; members 617,156; net-worth ratio 9.65%; health rank #2,165 of 4,374; healthier than 50th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,165 of 4,374 health · 2025Q4COMMUNITYAMERICA · health 84/100 · $8.67B · 2025Q4
- DELQ 84/100
- ROA 9.7%
- ASSETS 1.63%
- MEM 0.13%
- RANK $8.67B
- PHOTO 617,156
- BOOK #2,165/4,374
- CHARTER VERIDIAN
- NCUSIF 15732
Call Report peers
COMMUNITYAMERICA in the assets neighbourhood
COMMUNITYAMERICA's $8.67B assets sit next to VERIDIAN ($8.61B) 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.
COMMUNITYAMERICA 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
84 Top 50% higher than 50% 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
COMMUNITYAMERICA - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #15732. See our deposit-insurance coverage note.
COMMUNITYAMERICA: Call Report deltas vs peers
- Widest shortfall vs peers is Loan-to-Share Ratio: -2.98 pp (80.92% vs 83.90%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
COMMUNITYAMERICA: in-state Call Report ranks
- Health composite ranks #195 of 386 among scored Texas credit unions.
- Texas assets place: #4 of 386.
- Member book place in Texas: #3 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.
COMMUNITYAMERICA: 2025Q4 → 2026Q1
COMMUNITYAMERICA: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.6% from $8.67B (2025Q4) to $8.98B (2026Q1).
- Net-worth ratio shifted -0.10 pp (9.75% → 9.65%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 9.65% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 84/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 84.
- Net Worth Ratio 29.1 pts
- Delinquency Rate 15.3 pts
- Return on Assets 9.4 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.2 pts
COMMUNITYAMERICA health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.65% | -1.53 pp |
| Delinquency Rate | 1.63% | +0.76 pp |
| Return on Assets | 0.13% | -0.38 pp |
| Member Growth | 147.59% | - |
| Loan-to-Share Ratio | 80.92% | -2.98 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 - COMMUNITYAMERICA
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $8.98B | - |
| 2025Q4 | $8.67B | 617,156 |
| 2024Q4 | $3.54B | 249,267 |
| 2023Q4 | $3.81B | 260,479 |
Credit Union Details
- Charter Number
- 15732
- Type
- Federal
- Field of Membership
- Select Employee Group
- Peer Group
- Over $500M
- State
- Texas
- City
- Lenexa
- Data Quarter
- 2025Q4
Branch Locations (85)
COMMUNITYAMERICA operates 85 offices across 59 cities, spanning 14 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Corporate Office (Main Office) | Lenexa, KS |
| Allen Ops | Allen, TX |
| Ann Arbor | Ann Arbor, MI |
| Bentonville | Bentonville, AR |
| Blue Springs | Blue Springs, MS |
| Blue Springs Outer Road | Blue Springs, MO |
| Blue Springs South | Blue Springs, MO |
| Brentwood | Brentwood, CA |
| Buffalo WV | Buffalo, WV |
| Camarillo | Camarillo, CA |
| Collegedale | Collegedale, TN |
| 2nd Street Concord | Concord, CA |
| Des Peres Branch | Des Peres, MO |
| Fayetteville | Fayetteville, AR |
| Frisco | Frisco, TX |
| Georgetown | Georgetown, KY |
| Glendale | GLENDALE, CA |
| Blue Ridge | Grandview, MO |
| Hawthorne | Hawthorne, CA |
| Hazelwood | Hazelwood, MO |
| Hebron | Hebron, KY |
| Huntington Beach | Huntington Beach, CA |
| Huntsville | Huntsville, AL |
| 40 Hwy Hy-Vee | Independence, MO |
| Hidden Valley Branch | Independence, MO |
| Noland Road | Independence, MO |
| Irvine Ops | Irvine, CA |
| 64th Street | Kansas City, MO |
| Antioch Annex | Kansas City, MO |
| Burns & McDonnell | Kansas City, MO |
| Crossroads | Kansas City, MO |
| Front Street | Kansas City, MO |
| Guadalupe Centers | Kansas City, MO |
| Hickman Mills Community | Kansas City, MO |
| North Oak | Kansas City, MO |
| Penn Valley | Kansas City, MO |
| Shoal Creek | Kansas City, MO |
| South Plaza | Kansas City, MO |
| Tiffany Springs | Kansas City, MO |
| Wyandotte Plaza | Kansas City, KS |
| Lakewood Branch | Lakewood, CA |
| Las Vegas | Las Vegas, NV |
| Las Vegas Ops 1 | Las Vegas, NV |
| Levenworth | Leavenworth, KS |
| Rice Road | Lees Summit, MO |
| Todd George | Lees Summit, MO |
| Liberty Branch | Liberty, NC |
| Westchester | Los Angeles, CA |
| Lowell | LOWELL, AR |
| MTM Huntsville | Madison, AL |
| Manchester | Manchester, MO |
| Montebello | Montebello, CA |
| North Kansas City Hospital | North Kansas City, MO |
| Oakland - Civic | Oakland, CA |
| Olathe | Olathe, KS |
| West Olathe | Olathe, KS |
| Blue Valley | Overland Park, KS |
| Nall Hills Branch | Overland Park, KS |
| Plano | Plano, TX |
| Claycomo | Pleasant Valley, MO |
| Prairie Village | Prairie Village, KS |
| Princeton | Princeton, IN |
| Raymore | Raymore, MO |
| Raytown Hy-Vee | Raytown, MO |
| Space Park-Redondo Beach | Redondo Beach, CA |
| Richmond Heights | Richmond Heights, MO |
| Rogers | Rogers, AR |
| Maryland Heights | Saint Louis, MO |
| Tesson Ferry | Saint Louis, MO |
| University of Missouri-St. Louis | Saint Louis, MO |
| St Peters | Saint Peters, MO |
| York Township | Saline, MI |
| San Antonio | San Antonio, TX |
| San Bruno | San Bruno, CA |
| Santa Ana | Santa Ana, CA |
| Shawnee Station | Shawnee, KS |
| Siloam Springs | Siloam Springs, AR |
| Springdale | Springdale, AR |
| West Torrance | Torrance, CA |
| Torrance Ops 1 | Torrance, CA |
| Torrance PCH | Torrance, CA |
| Torrance Ops 2 | Torrance, CA |
| Las Vegas Ops 2 | Torrance, CA |
| Tustin | Tustin, CA |
| Ventura | Ventura, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
COMMUNITYAMERICA nationwide neighbourhoods
COMMUNITYAMERICA's nationwide photo peers by assets and by health score, excluding Texas charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($8.67B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (84/100 here).
Using this data
- COMMUNITYAMERICA ranks #2,165 of 4,374 nationally on financial health and #195 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- American Airlines is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with American Airlines
- 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 COMMUNITYAMERICA financially healthy?
COMMUNITYAMERICA scores 84/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,165 of 4,374; by total assets it ranks #42 of 4,374 nationally (same basis as /rankings/largest); and #4 of 386 within Texas. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 9.65% net worth ratio and a 1.63% delinquency rate.
How does COMMUNITYAMERICA compare to other credit unions?
On PlainCU's health composite, COMMUNITYAMERICA lands at 84/100, compared to a peer group average for Over $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 COMMUNITYAMERICA?
COMMUNITYAMERICA serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact COMMUNITYAMERICA directly for the current list of qualifying groups.
Is my money safe at COMMUNITYAMERICA?
Federal credit unions like COMMUNITYAMERICA 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. COMMUNITYAMERICA's net worth ratio of 9.65% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does COMMUNITYAMERICA offer compared to banks?
Credit unions like COMMUNITYAMERICA 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 COMMUNITYAMERICA 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.