Federal credit union · Jackson, Tennessee · NCUA charter #24575
RESOURCE
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $55.5M
- Total assets
- 3,983
- Members
- 9.9%
- Net-worth ratio
RESOURCE scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $55.5M; members 3,983; net-worth ratio 9.93%; health rank #2,008 of 4,374; healthier than 54th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,008 of 4,374 health · 2025Q4RESOURCE · health 85/100 · $55.5M · 2025Q4
Call Report peers
RESOURCE in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
RESOURCE vs every NCUA-scored credit union
RESOURCE sits in the busiest band, 85-89, alongside 857 other credit unions.
85 Top 46% higher than 54% 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
Peer-gap read for RESOURCE
- Largest favorable gap: Delinquency Rate at 0.47% vs peer 0.96% (-0.49 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -38.64 pp (23.96% vs 62.60%).
RESOURCE: in-state Call Report ranks
- Health composite ranks #65 of 127 among scored Tennessee credit unions.
- By total assets, RESOURCE is #60 of 127 in Tennessee.
- Member book place in Tennessee: #65 of 127.
- One place up in Tennessee, HORIZON (#64) ties at 85/100; one place down, Happy Valley (#66) scores 83/100, 2 points lower.
RESOURCE Call Report trajectory
RESOURCE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.7% from $55.5M (2025Q4) to $55.9M (2026Q1).
- Net-worth ratio shifted +0.07 pp (9.86% → 9.93%).
This credit union's 9.93% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 85/100 score is built
RESOURCE gives up 15 points in total. Member Growth costs the most, 8.3 of its 15; Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 29.8 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 6.7 pts
- Loan-to-Share Ratio 8.5 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.93% | -3.69 pp |
| Delinquency Rate | 0.47% | -0.49 pp |
| Return on Assets | 0.88% | +0.22 pp |
| Member Growth | -1.26% | - |
| Loan-to-Share Ratio | 23.96% | -38.64 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
RESOURCE filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $55.9M | - |
| 2025Q4 | $55.5M | 3,983 |
| 2024Q4 | $51.5M | 4,034 |
| 2023Q4 | $50.5M | 4,108 |
Credit Union Details
- Charter Number
- 24575
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Tennessee
- City
- Jackson
- Data Quarter
- 2025Q4
Branch Locations (2)
RESOURCE operates 2 offices in Jackson, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Resource Federal Credit Union (Main Office) | Jackson, TN |
| Resource Federal Credit Union | Jackson, TN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Tennessee
A look at other Tennessee credit unions, ranked by how closely their peer group and asset size match this one.
RESOURCE nationwide neighbourhoods
Similar total assets
Similar health score
Using this data
- RESOURCE ranks #2,008 of 4,374 nationally on financial health and #65 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- FEDTRUST is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with FEDTRUST
Frequently Asked Questions
Is RESOURCE financially healthy?
On its 2025Q4 NCUA 5300 filing, RESOURCE scores 85/100 (Excellent), with a 9.93% net worth ratio and 0.47% of loans delinquent. It ranks #2,008 of 4,374 nationally on health and #65 of 127 in Tennessee.
How does RESOURCE compare to other credit unions?
RESOURCE scores 85/100, higher than 54% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is delinquency rate (0.47% vs 0.96%). Its widest shortfall is loan-to-share ratio (23.96% vs 62.60%).
How can I join RESOURCE?
RESOURCE 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 RESOURCE directly for the exact boundaries and application steps.
Is my money safe at RESOURCE?
RESOURCE 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. RESOURCE's net worth ratio of 9.93% 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.