Federal credit union · BIRMINGHAM, Alabama · NCUA charter #24583
Nrs Community Development
Health score 49/100, grade F (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 49
- Health / 100
- $1.4M
- Total assets
- 778
- Members
- 14.3%
- Net-worth ratio
Nrs Community Development scores 49/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.4M; members 778; net-worth ratio 14.31%; health rank #4,282 of 4,374; healthier than 2nd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#4,282 of 4,374 health · 2025Q4Nrs Community Development · health 49/100 · $1.4M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Nrs Community Development vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Nrs Community Development sits in 45-49 with 39 others.
49 2nd percentile higher than 2% 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
Nrs Community Development vs Under $2M peers
- Widest shortfall vs peers is Delinquency Rate: +38.98 pp (43.46% vs 4.48%).
Where Nrs Community Development sits in Alabama
- Alabama health ordinal: #86 of 89.
- By total assets, Nrs Community Development is #89 of 89 in Alabama.
- Member book place in Alabama: #77 of 89.
- One place up in Alabama, L&n Employees (#85) scores 52/100, 3 points higher; one place down, TUSKEGEE (#87) scores 44/100, 5 points lower.
Nrs Community Development Call Report trajectory
Nrs Community Development: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -6.1% from $1.4M (2025Q4) to $1.3M (2026Q1).
- Net-worth ratio shifted +0.57 pp (13.74% → 14.31%).
This credit union's 14.31% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 49/100 score is built
Nrs Community Development gives up 51 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 0.0 pts
- Member Growth 8.3 pts
- Loan-to-Share Ratio 10.7 pts
Call Report ratios for Nrs Community Development
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.31% | -8.62 pp |
| Delinquency Rate | 43.46% | +38.98 pp |
| Return on Assets | -1.04% | -1.26 pp |
| Member Growth | -0.38% | - |
| Loan-to-Share Ratio | 49.91% | -2.79 pp |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
Nrs Community Development quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.3M | - |
| 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
Branch Locations (2)
Per its most recent NCUA branch filing, Nrs Community Development runs 2 offices in 2 different cities across 2 states.
| Office | City |
|---|---|
| MAIN OFFICE (Main Office) | BIRMINGHAM, AL |
| shared cooperative Services | Tampa, FL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
Nationwide credit unions with similar profiles
Similar health score
Using this data
- Nrs Community Development ranks #4,282 of 4,374 nationally on financial health and #86 of 89 in AL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Federation of Greene County Empl. is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Federation of Greene County Empl.
Frequently Asked Questions
Is Nrs Community Development financially healthy?
On its 2025Q4 NCUA 5300 filing, Nrs Community Development scores 49/100 (Below Average), with a 14.31% net worth ratio and 43.46% of loans delinquent. It ranks #4,282 of 4,374 nationally on health and #86 of 89 in Alabama.
How does Nrs Community Development compare to other credit unions?
Nrs Community Development scores 49/100, higher than 2% of the 4,374 scored credit unions. Its widest shortfall is delinquency rate (43.46% vs 4.48%).
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?
Nrs Community Development is a federal 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. Nrs Community Development's net worth ratio of 14.31% 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.