Community Resource Federal Credit Union
Total assets
$119.8M
▲ +4.4% YoY
Shares & deposits
$105.3M
▲ +4.3% YoY
Loans
$92.0M
▲ +5.8% YoY
Members
7,389
▲ +6.9% YoY
ROA (annualized)
0.35%
peers 0.69%
ROE (annualized)
2.93%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.3% | +3.9% | +0.4 pts |
| Share growth (YoY) | +4.3% | +3.3% | +1.0 pts |
| Loan growth (YoY) | +5.8% | +2.9% | +2.9 pts |
| ROA | 0.35% | 0.69% | -0.3 pts |
| ROE | 2.9% | 5.9% | -3.0 pts |
ROA ranks in the 27th percentile of its peer group · Q1 2026
Profile
- Established
- 1935
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- 20 Wade Rd, Latham, NY, 12110
- NCUA charter #
- 770
- RSSD ID
- 196172
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $119.8M | $105.3M | $92.0M | $14.4M | $105K | 0.35% | 3.69% | 0.98% | 7,389 |
| Q4 2025 | $119.1M | $105.1M | $88.7M | $14.3M | $439K | 0.37% | 3.54% | 0.96% | 7,279 |
| Q3 2025 | $114.5M | $100.8M | $88.8M | $14.1M | $241K | 0.28% | 3.61% | 0.58% | 7,193 |
| Q2 2025 | $116.3M | $102.5M | $87.7M | $14.0M | $121K | 0.21% | 3.39% | 0.54% | 7,042 |
| Q1 2025 | $114.8M | $101.0M | $86.9M | $13.9M | $47K | 0.16% | 3.29% | 0.56% | 6,915 |
| Q4 2024 | $114.2M | $100.7M | $87.0M | $13.9M | $4K | 0.00% | 2.94% | 0.45% | 6,794 |
| Q3 2024 | $114.2M | $100.3M | $85.6M | $13.8M | $-50K | -0.06% | 2.86% | 0.47% | 6,698 |
| Q2 2024 | $115.5M | $101.5M | $84.7M | $13.8M | $-63K | -0.11% | 2.76% | 0.47% | 6,614 |
Loan mix (Q1 2026): real estate $35.2M · commercial $188K · consumer $43.1M · securities $11.8M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.35% | 0.69% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 2.9% | 5.9% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.69% | 3.62% | 55th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.8% | 78.7% | 74th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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