State credit union · Dallas, Texas · NCUA charter #68439
Resource One
Health score 58/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 58
- Health / 100
- $655.7M
- Total assets
- 71,306
- Members
- 7.6%
- Net-worth ratio
Resource One scores 58/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $655.7M; members 71,306; net-worth ratio 7.61%; health rank #4,125 of 4,374; healthier than 6th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#4,125 of 4,374 health · 2025Q4Resource One · health 58/100 · $655.7M · 2025Q4
- PHOTO 58/100
- BOOK 7.6%
- CHARTER 2.11%
- NCUSIF -0.12%
- CAMELS $655.7M
- HEALTH 71,306
- NW #4,125/4,374
- DELQ INOVA
- ROA 68439
Call Report peers
Resource One in the assets neighbourhood
Resource One's $655.7M assets sit next to INOVA ($655.7M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Resource One 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
58 6th percentile higher than 6% 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
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.
Peer-gap read for Resource One
- Largest lag: Loan-to-Share Ratio at 80.30% vs peer 83.90% (-3.60 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Texas standing for Resource One
- Health composite ranks #365 of 386 among scored Texas credit unions.
- By total assets, Resource One is #54 of 386 in Texas.
- Texas membership ordinal: #35 of 386.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Resource One Call Report trajectory
Resource One: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.3% from $655.7M (2025Q4) to $654.0M (2026Q1).
- Net-worth ratio shifted +0.16 pp (7.45% → 7.61%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
7.61% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 58/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 58.
- Net Worth Ratio 24.0 pts
- Delinquency Rate 11.8 pts
- Return on Assets 3.4 pts
- Member Growth 3.4 pts
- Loan-to-Share Ratio 15.4 pts
Call Report ratios for Resource One
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.61% | -3.57 pp |
| Delinquency Rate | 2.11% | +1.23 pp |
| Return on Assets | -0.12% | -0.63 pp |
| Member Growth | -3.09% | - |
| Loan-to-Share Ratio | 80.30% | -3.60 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Call Report history - Resource One
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $654.0M | - |
| 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
Branch Locations (13)
The NCUA branch filing lists 13 physical offices for Resource One, spread across 8 cities.
| Office | City |
|---|---|
| South Side (Main Office) | Dallas, TX |
| Carrollton | Carrollton, TX |
| Cedar Hill | Cedar Hill, TX |
| TOC | Dallas, TX |
| Gano | Dallas, TX |
| North Dallas | Dallas, TX |
| Garland | Garland, TX |
| North Garland | Garland, TX |
| Jones Rd | Houston, TX |
| Oak Forest | Houston, TX |
| Irving | Irving, TX |
| Mesquite | Mesquite, TX |
| Spring Cypress | Spring, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
Other-state peers near Resource One
Two NCUA Call Report peer sets for Resource One, both outside Texas so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($655.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (58/100 here).
Using this data
- Resource One ranks #4,125 of 4,374 nationally on financial health and #365 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Abilene Teachers is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Abilene Teachers
- Rates and health both vary by institution, not just by state -- see how Texas credit unions compare overall before assuming this one is typical. Texas 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 Resource One financially healthy?
Resource One scores 58/100 (Fair) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,125 of 4,374; by total assets it ranks #643 of 4,374 nationally (same basis as /rankings/largest); and #54 of 386 within Texas. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 7.61% net worth ratio and a 2.11% delinquency rate.
How does Resource One compare to other credit unions?
58/100 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 7.61% exceeds 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.
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.