TellerScore

Community Resource Credit Union (NCUA charter #68021) is based in Baytown, Texas. Its Q2 2026 call report shows $929.5M in total assets and $818.5M in member shares and deposits and 8 offices.

Community Resource Credit Union has a TellerScore of 75 out of 100 (strong) based on Q2 2026 data — higher than 66% of its 1,341 credit unions with $100 million – $1 billion. Among 380 credit unions headquartered in Texas, it ranks 167th. Problem-loan coverage contributes the most (93/100, 3.6%); capital cushion contributes the least (60/100, 11.02%).

TellerScore · Q2 2026

Scorecard

Capital cushion60/100
Net worth ratio: 11.02%
Loan quality84/100
Loans 60+ days delinquent ÷ total loans: 0.47%
Earnings78/100
Return on assets (annualized): 1.44%
Funding & liquidity71/100
Loans ÷ shares: 88.9% · 9.4% uninsured
Problem-loan coverage93/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.62%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (73 → 75), mostly because the capital cushion component improved by 7 points.

TellerScore
616875Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202461
Q3 202461
Q4 202463
Q1 202570
Q2 202573
Q3 202568
Q4 202569
Q1 202670
Q2 202675
Net worth ratio
7.00%9.01%11.02%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.15%
Q3 20249.33%
Q4 20249.55%
Q1 20259.71%
Q2 202510.25%
Q3 202510.28%
Q4 202510.14%
Q1 202610.56%
Q2 202611.02%
Delinquent loans (60+ days)
0.30%0.46%0.63%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.63%
Q3 20240.60%
Q4 20240.57%
Q1 20250.30%
Q2 20250.37%
Q3 20250.59%
Q4 20250.52%
Q1 20260.60%
Q2 20260.47%
Return on assets
0.54%0.99%1.44%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.54%
Q3 20240.55%
Q4 20240.76%
Q1 20251.12%
Q2 20251.41%
Q3 20251.16%
Q4 20251.13%
Q1 20261.20%
Q2 20261.44%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$929.5M11.02%0.47%1.44%88.9%
Q1 202670$933.6M10.56%0.60%1.20%89.3%
Q4 202569$946.9M10.14%0.52%1.13%91.5%
Q3 202568$906.3M10.28%0.59%1.16%92.4%
Q2 202573$893.2M10.25%0.37%1.41%90.6%
Q1 202570$904.5M9.71%0.30%1.12%88.4%
Q4 202463$895.1M9.55%0.57%0.76%93.6%
Q3 202461$882.7M9.33%0.60%0.55%90.3%
Q2 202461$886.1M9.15%0.63%0.54%88.1%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.02%
44th
Problem loans0.47%
69th
Net charge-offs0.48%
37th
Return on assets1.44%
87th
Loans to deposits88.9%
19th
Uninsured deposits9.4%
20th
Loan-loss reserves0.00%
50th
Texas ratio3.6%
54th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Schlumberger Employees Credit UnionCredit union Sugar Land, TX94 out of 100, Very strong$935.8M25.3%0.57%vs
Houston Federal Credit UnionCredit union Sugar Land, TX67 out of 100, Moderate$952.0M9.9%0.49%vs
Texas Bay Credit UnionCredit union Houston, TX53 out of 100, Below average$905.0M7.5%0.55%vs
Greater Texas Federal Credit UnionCredit union Austin, TX54 out of 100, Below average$995.4M7.3%0.53%vs
Southwest Airlines Federal Credit UnionCredit union Dallas, TX69 out of 100, Moderate$860.9M11.5%0.59%vs
Intouch Credit UnionCredit union Plano, TX55 out of 100, Moderate$837.4M8.9%1.38%vs

Deposit insurance

Is my money safe at Community Resource Credit Union?

Yes. Community Resource Credit Union is a federally insured credit union (NCUA charter #68021). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 9.4% of shares and deposits ($76.6M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 11.02%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

8 locations

Branches

Community Resource Credit Union lists 8 offices in 5 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Community Resource Credit Union reported 507 home-loan applications under HMDA (LEI 549300QWA589VRBWSZ92): 204 originated ($33,930,000 total), 163 denied, and 138 withdrawn or closed by the applicant. Its denial rate on decided applications was 44.2%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

CFPB TCCP survey · December 31, 2025

Credit card terms

CardPurchase APRAnnual feeLate feeForeign fee
MemberSelect Rewards MasterCard®15.24% – 17.99%$0$250.0%

All Community Resource Credit Union card terms

Identity & history

Profile

Legal name
Community Resource Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68021
RSSD ID
505493
Primary regulator
State + NCUA
Established
1935
Headquarters
Po Box 3181, Baytown, TX 77522
Employees
198

Quick answers

Community Resource Credit Union: common questions

Is Community Resource Credit Union NCUA insured?

Yes. Community Resource Credit Union is a federally insured credit union (NCUA charter #68021). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Community Resource Credit Union's TellerScore?

75 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Community Resource Credit Union have?

8 offices as of the latest NCUA data.