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
- HEALTH 49/100
- NW 14.3%
- DELQ 43.46%
- ROA -1.04%
- ASSETS $1.4M
- MEM 778
- RANK #4,282/4,374
- PHOTO n/a
- BOOK 24583
Call Report peers
Nrs Community Development carries $1.4M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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 - 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 vs Under $2M peers
- Widest shortfall vs peers is Delinquency Rate: +38.98 pp (43.46% vs 4.48%).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for AL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Nrs Community Development Call Report trajectory
Nrs Community Development: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -6.1% from $1.4M (2025Q4) to $1.3M (2026Q1).
- Net-worth ratio shifted +0.57 pp (13.74% → 14.31%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 49.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
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
Two NCUA Call Report peer sets for Nrs Community Development, both outside Alabama so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (49/100 here).
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.
- Rates and health both vary by institution, not just by state -- see how Alabama credit unions compare overall before assuming this one is typical. Alabama 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 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,282 of 4,374; by total assets it ranks #4,189 of 4,374 nationally (same basis as /rankings/largest); and #89 of 89 within Alabama. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 14.31% 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 14.31% 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.
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.