Credit union · NCUA insured
Community Resource Federal Credit Union
A $119.8M credit union headquartered in Latham, NY, with 7,389 members and 2 branches in New York. Best rates: CDs 3.75% and savings 1.00% APY.
Community Resource Federal Credit Union Carrot Score
80
Carrot Score
Higher than 51% of U.S. banks and credit unions
#10 of 25 in Albany, NY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Community Resource Federal Credit Union
Chartered in 1935 to serve employees of Niagara Mohawk Power Corporation, Community Resource Federal Credit Union is a member-owned not-for-profit financial institution.
Headquartered in Latham, New York, the credit union serves more than 7,000 members across Albany, Schenectady, Saratoga, and Rensselaer counties.
- Headquarters
- 20 Wade Rd, Latham, NY 12110-3520
- NCUA charter
- 770
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Individuals who live, work, worship, or attend school in Albany, Schenectady, Rensselaer, and Saratoga Counties are eligible for membership.
Family and household
- Immediate family members or individuals living in the household of someone eligible for membership can join.
Branches
2 branches in New York
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New York
2 branches
- Latham OfficeMain office20 Wade Rd, Latham, NY 12110Directions
- North Greenbush631 Bloomingrove Dr, Rensselaer, NY 12144Directions
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
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.06% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.83% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.37% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $94 | $76 | — |
- CapitalNet worth ratio12.06%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.83%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.37%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$94Peers’ 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 Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.