Credit union · NCUA insured
Community Resource Credit Union
Top CarrotA $933.6M credit union headquartered in Baytown, TX, with 58,588 members and 8 branches in Texas. Best rates: CDs 4.50% and savings 1.00% APY.
Community Resource Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 86% of U.S. banks and credit unions
#22 of 107 in Houston, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Community Resource Credit Union
Community Resource Credit Union was founded in 1935 as Humble Employees Baytown Federal Credit Union.
It was created by a group of Humble Oil Company employees to provide low-cost, high-value financial services.
- Headquarters
- 3110 Rollingcreek Drive, Baytown, TX 77521
- NCUA charter
- 68021
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who work, reside, worship, or attend school, businesses in Harris County, Texas, and their immediate family members are eligible.
- Persons who work, reside, worship, or attend school, and businesses located within the boundaries of Goose Creek, Barbers Hill, Crosby, Dayton, Huffman, Humble, Liberty, and New Caney ISDs are eligible.
- Persons who work, reside, worship, or attend school, businesses in Liberty or Chambers County, Texas, and their immediate family members are eligible.
- Persons who work, reside, worship, or attend school, and businesses located within the boundaries of Lynchburg, Texas are eligible.
- Persons who work, reside, worship, or attend school, businesses in Montgomery County, Texas, and their immediate family members are eligible.
Employers and groups
- Members of Cornerstone Credit Union Foundation are eligible for membership.
5 more ways to join
Employers and groups
- Persons receiving retirement, pension, or other benefits as results of prior employment by any business or organization included within the field of membership are eligible.
- Groups of employees or members of companies or associations located within reasonable geographic proximity of a credit union office with written evidence of desire to be eligible are eligible.
Military, government and schools
- Members of record of Baytown Teachers Credit Union as of its merger date, including school and government employees working or residing in Chambers County, are eligible.
Other ways
- Any business or organization whose employees or members are within the credit union's field of membership is eligible.
- Scholarship fund accounts associated with living or deceased members, organizations, or clubs within the field of membership are eligible.
Branches
8 branches in Texas
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Texas
8 branches
- Atascocita Branch6903 Atascocita Rd, Atascocita, TX 77346Directions
- Alexander Branch2700 N Alexander Dr, Baytown, TX 77520Directions
- Chamber Commons8535 N Highway 146 Ste 140, Baytown, TX 77523Directions
- Decker Branch2900 Decker Dr, Baytown, TX 77520Directions
- Garth Road6810 Garth Rd, Baytown, TX 77521Directions
- Crosby Branch6218 FM 2100 Rd, Crosby, TX 77532Directions
- Mont Belvieu11001 Eagle Dr, Mont Belvieu, TX 77523Directions
- New Caney21856 Market Place Dr, New Caney, TX 77357Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.02% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.47% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.43% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $89 | $76 | — |
- CapitalNet worth ratio11.02%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.47%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.43%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$89Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Community Resource Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.