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2900 Decker Dr
Baytown, TX 77520-2076

Community Resource Credit Union is headquartered in Baytown and is the 53rd largest credit union in the state of Texas. It is also the 630th largest credit union in the nation. It was established in 1935 and as of March of 2014, it had grown to 129 employees and 35,835 members. Community Resource Credit Union has a A health rating.

Field of Membership Restrictions

Anyone who lives or works within the Goose Creek, Crosby, Huffman, Humble, New Caney and Barbers Hill Independent School Districts can now become a member of Community Resource Credit Union as well as anyone living within 10 mile radius from a branch. - See Details

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Community Resource Credit Union had $817,000 in non-current loans and owned real-estate with $30.32 million in equity and loan loss allowances on hand to cover it. This gives Community Resource Credit Union a Texas Ratio of 2.69% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Community Resource Credit Union experienced no significant changes from 1.19% as of March 31, 2013 to 2.69% as of March 31, 2014, resulting in a negative change of 127.20%. This indicates that the balance sheet and financial strength for Community Resource Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Community Resource Credit Union has increased its total deposits by $15.95 million, resulting in 5.57% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Community Resource Credit Union has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Community Resource Credit Union has $341.09 million in assets with $30.32 million in equity, resulting in a capitalization level of 8.89%, which is average.

Institution Statistics

NCUA #68021
Year Chartered1935
Primary Regulator
Assets and Liabilities
Assets$341.09 million
Loans$235.60 million
Deposits$302.09 million
Equity Capital$29.36 million
Loan Loss Allowance$958,000
Unbacked Noncurrent Loans$817,000
Real Estate Owned$0
Historic Data - March 2013
Assets$316.63 million
Equity Capital$28.48 million
Loan Loss Allowance$857,000
Unbacked Noncurrent Loans$817,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets-0.11%
Return on Equity-1.24%
Interest Income$3.51 million

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Community Resource Credit Union Savings Account Rates

0.50%$100-IRA Savings
0.50%$100-Roth IRA Savings
0.50%$100-Coverdell IRA Savings
0.10%$100-Share Savings
0.10%$100-Christmas Club Savings

Community Resource Credit Union Money Market Rates

0.30%$25k-Money Market Savings

Community Resource Credit Union Checking Account Rates

2.00%-$20kReward Checking - Qualifying
0.10%$15k-Interest Checking
0.10%$15k-Senior Checking
0.05%--Reward Checking - Non Qualifying

Community Resource Credit Union CD Rates

1.75%$1k-60 Month CD
1.00%$1k-48 Month CD
0.75%$1k-36 Month CD
0.65%$1k-24 Month CD
0.65%$90k-12 Month Jumbo CD
0.50%$1k-18 Month CD
0.40%$1k-12 Month CD
0.40%$90k-6 Month Jumbo CD
0.30%$1k-6 Month CD
0.15%$1k-3 Month CD

Community Resource Credit Union IRA Rates

1.75%$1k-60 Month IRA
0.75%$1k-24 Month IRA
0.75%$1k-36 Month IRA
0.65%$1k-12 Month Jumbo IRA
0.50%$1k-18 Month IRA
0.40%$1k-12 Month IRA
0.40%$1k-6 Month Jumbo IRA
0.30%$1k-6 Month IRA
0.15%$1k-3 Month IRA

Community Resource Credit Union Locations
Branch Office2700 N Alexander DrBaytown, TX 77520-3335
Branch Office6218 FM 2100 RdCrosby, TX 77532-5608
Branch Office6810 Garth RdBaytown, TX 77521-9649
Branch Office2900 Decker DrBaytown, TX 77520-2076
Atascocita Branch6903 Atascocita RoadAtascocita, TX 77346