State credit union · Dallas, Texas · NCUA charter #68439
Resource One
Health score 53/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 53
- Health / 100
- $655.7M
- Total assets
- 71,306
- Members
- 6.5%
- Net-worth ratio
Resource One - Share Insurance Coverage
Charter #68439'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.
Resource One - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)63
- Asset quality (delinquency)47
- Earnings (ROA)23
- Member growth23
- Liquidity (loan-to-share)100
Weighted composite: 53/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
6.52% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 6.52% | 30% |
| Delinquency Rate | 2.11% | 25% |
| Return on Assets | -0.12% | 15% |
| Member Growth | -3.09% | 15% |
| Loan-to-Share Ratio | 80.30% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $655.7M | 71,306 |
| 2024Q4 | $758.5M | 73,579 |
| 2023Q4 | $763.0M | 70,529 |
Credit Union Details
- Charter Number
- 68439
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Texas
- City
- Dallas
- Data Quarter
- 2025Q4
What This Data Says About Resource One
71,306 members and $655.7M in total assets sit behind Resource One, a state credit union in Dallas, Texas, which posts a health score of 53/100 (Fair) on the five-factor composite, with $485.3M in outstanding loans as of Q4 2025 and a net worth ratio of 6.52% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #68439 in peer group Over $500M, a cohort of 749 similarly-sized institutions.
On loan book quality: 2.11% of loans are 60+ days past due against the total loan book - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers. Meanwhile a 80.30% loan-to-share ratio shows how aggressively member deposits get deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at -0.12% on net income of $-793188 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 -3.09%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
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 Resource One financially healthy?
Resource One scores 53/100 (Fair) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 6.52% net worth ratio and a 2.11% delinquency rate.
How does Resource One compare to other credit unions?
53/100 is Resource One's score on PlainCU's health composite, compared to a peer group average for Over $500M 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 Resource One?
Membership eligibility for Resource One depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Resource One directly for current membership requirements and application steps.
Is my money safe at Resource One?
Federal credit unions like Resource One 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. Resource One's net worth ratio of 6.52% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Resource One offer compared to banks?
Credit unions like Resource One 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 Resource One 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.