TellerScore

Community Resource Federal Credit Union is a federal credit union headquartered in Latham, New York, in business for about 91 years. At the end of Q2 2026 it reported $120.3M in total assets and $105.8M in member shares and deposits, with 2 offices.

Based on its Q2 2026 filing, Community Resource Federal Credit Union scores 65/100, which we describe as moderate. That is higher than only 34% of 1,341 credit unions with $100 million – $1 billion. Among 268 credit unions headquartered in New York, it ranks 171st. Its strongest component is problem-loan coverage (89/100; 5.7%), and its lowest is earnings (35/100; 0.37%).

TellerScore · Q2 2026

Scorecard

Capital cushion71/100
Net worth ratio: 12.06%
Loan quality72/100
Loans 60+ days delinquent ÷ total loans: 0.83%
Earnings35/100
Return on assets (annualized): 0.37%
Funding & liquidity67/100
Loans ÷ shares: 93.7% · 7.0% uninsured
Problem-loan coverage89/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.74%

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 fell 3 points (68 → 65), mostly because the loan quality component weakened by 10 points.

TellerScore
646668Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202467
Q4 202467
Q1 202567
Q2 202568
Q3 202568
Q4 202565
Q1 202664
Q2 202665
Net worth ratio
7.00%9.66%12.31%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.93%
Q3 202412.08%
Q4 202412.13%
Q1 202512.11%
Q2 202512.01%
Q3 202512.31%
Q4 202512.00%
Q1 202612.02%
Q2 202612.06%
Delinquent loans (60+ days)
0.45%0.72%0.98%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.47%
Q3 20240.47%
Q4 20240.45%
Q1 20250.56%
Q2 20250.54%
Q3 20250.58%
Q4 20250.96%
Q1 20260.98%
Q2 20260.83%
Return on assets
-0.11%0.13%0.37%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.11%
Q3 2024-0.06%
Q4 20240.00%
Q1 20250.16%
Q2 20250.21%
Q3 20250.28%
Q4 20250.37%
Q1 20260.35%
Q2 20260.37%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202665$120.3M12.06%0.83%0.37%93.7%
Q1 202664$119.8M12.02%0.98%0.35%87.3%
Q4 202565$119.1M12.00%0.96%0.37%84.4%
Q3 202568$114.5M12.31%0.58%0.28%88.2%
Q2 202568$116.3M12.01%0.54%0.21%85.5%
Q1 202567$114.8M12.11%0.56%0.16%86.1%
Q4 202467$114.2M12.13%0.45%0.00%86.4%
Q3 202467$114.2M12.08%0.47%-0.06%85.3%
Q2 202466$115.5M11.93%0.47%-0.11%83.4%

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 ratio12.06%
59th
Problem loans0.83%
40th
Net charge-offs0.35%
50th
Return on assets0.37%
22nd
Loans to deposits93.7%
10th
Uninsured deposits7.0%
39th
Loan-loss reserves0.00%
50th
Texas ratio5.7%
33rd

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American Broadcast Employees Federal Credit UnionCredit union Rockville Centr, NY76 out of 100, Strong$111.5M14.9%1.20%vs

Deposit insurance

Is my money safe at Community Resource Federal Credit Union?

Yes. Community Resource Federal Credit Union is a federally insured credit union (NCUA charter #770). 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 7.0% of shares and deposits ($7.4M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 12.06%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Community Resource Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Community Resource Federal Credit Union reported 57 home-loan applications under HMDA (LEI 5493002PPPIVY6G0AH03): 39 originated ($4,335,000 total), 11 denied, and 5 withdrawn or closed by the applicant. Its denial rate on decided applications was 21.2%, 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.

Identity & history

Profile

Legal name
Community Resource Federal Credit Union
Type
Federal credit union
NCUA charter #
770
RSSD ID
196172
Primary regulator
NCUA
Established
1935
Headquarters
20 Wade Rd, Latham, NY 12110
Employees
29

Quick answers

Community Resource Federal Credit Union: common questions

Is Community Resource Federal Credit Union NCUA insured?

Yes. Community Resource Federal Credit Union is a federally insured credit union (NCUA charter #770). 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 Federal Credit Union's TellerScore?

65 out of 100 (Moderate), 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 Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

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Stratton Air National Guard Federal Credit UnionCredit union Scotia, NY94 out of 100, Very strong$920K39.3%0.00%vs
M. C. T. Federal Credit UnionCredit union Amsterdam, NY94 out of 100, Very strong$73.3M14.4%0.41%vs
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Bank of GreeneBank Catskill, NY77 out of 100, Strong$3.2B9.9%0.23%vs
Hudson River Community Federal Credit UnionCredit union Corinth, NY77 out of 100, Strong$364.2M15.3%1.17%vs
Chemung Canal Trust Company, National AssociationBank Elmira, NY72 out of 100, Strong$2.8B11.4%0.38%vs