Federal credit union · BIRMINGHAM, Alabama · NCUA charter #24583
Nrs Community Development
Health score 49/100 (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 49
- Health / 100
- $1.4M
- Total assets
- 778
- Members
- 13.7%
- Net-worth ratio
Nrs Community Development - Share Insurance Coverage
Charter #24583's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Nrs Community Development - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)0
- Earnings (ROA)0
- Member growth55
- Liquidity (loan-to-share)70
Weighted composite: 49/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 13.74% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 13.74% | 30% |
| Delinquency Rate | 43.46% | 25% |
| Return on Assets | -1.04% | 15% |
| Member Growth | -0.38% | 15% |
| Loan-to-Share Ratio | 49.91% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $1.4M | 778 |
| 2024Q4 | $1.3M | 781 |
| 2023Q4 | $1.5M | 762 |
Credit Union Details
- Charter Number
- 24583
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Under $2M
- State
- Alabama
- City
- BIRMINGHAM
- Data Quarter
- 2025Q4
What This Data Says About Nrs Community Development
778 members and $1.4M in total assets sit behind Nrs Community Development, a federal credit union in BIRMINGHAM, Alabama, which posts a health score of 49/100 (Below Average) on the five-factor composite, with $606K in outstanding loans as of Q4 2025 and a net worth ratio of 13.74% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #24583 in peer group Under $2M, a cohort of 243 similarly-sized institutions.
Two more numbers round out the picture: a 43.46% delinquency rate (loans 60+ days past due against the total book) - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running looser than peers - and a 49.91% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at -1.04% on net income of $-14611 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -0.38%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Community) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Alabama
Other federally-insured credit unions in Alabama, closest first by peer group and asset size.
- FEDERATION OF GREENE COUNTY EMPL.Eutaw, AL · Under $2M93Health
- NORTH ALABAMA PAPERMAKERSStevenson, AL · $2M–$10M97Health
- NUCOR EMPLOYEESFORT PAYNE, AL · $2M–$10M87Health
- COUNCILLNORMAL, AL · $2M–$10M80Health
- U S PIPE BESSEMER EMPLOYEESBessemer, AL · $2M–$10M63Health
Compare Nrs Community Development vs FEDERATION OF GREENE COUNTY EMPL.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Nrs Community Development financially healthy?
Nrs Community Development has a financial health score of 49/100 (Below Average) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 13.74% and delinquency rate of 43.46%.
How does Nrs Community Development compare to other credit unions?
49/100 is Nrs Community Development's score on PlainCU's health composite, compared to a peer group average for Under $2M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Nrs Community Development?
Nrs Community Development 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 Nrs Community Development directly for the exact boundaries and application steps.
Is my money safe at Nrs Community Development?
Federal credit unions like Nrs Community Development 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. Nrs Community Development's net worth ratio of 13.74% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Nrs Community Development offer compared to banks?
Credit unions like Nrs Community Development 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 Nrs Community Development directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.