Community Credit Union (61336), a $170.5M credit union headquartered in New Rockford, ND, led by CEO Messner, reported $31.9M in outstanding loans at the end of 2025 Q3, an increase of $836K (+2.7%) compared to the same quarter last year.
The credit union's 22.8% loan-to-share ratio reflects a conservative lending posture with ample liquidity for future loan growth. With 922 loans outstanding to 4,145 members, the average loan balance stands at $35K.
Taken together: deposit strength exceeds current loan demand.
Portfolio Composition
Community Credit Union's loan portfolio is dominated by Business Loans, comprising 81.4% of total loans. This diversified approach balances risk across multiple loan categories.
Loan Portfolio Breakdown
| Loan Type | Balance | % of Portfolio |
|---|---|---|
| Business Loans | $26.0M | 81.4% |
| Used Vehicles | $1.5M | 4.7% |
| New Vehicles | $566K | 1.8% |
| Credit Cards | $436K | 1.4% |
| Other Unsecured | $105K | 0.3% |
Source: NCUA 5300 Call Reports (2025_Q3)
Quarterly Loan Trends
Moderate loan growth suggests stable demand balanced with prudent underwriting standards.
Quarterly Trend
| Period | Total Loans | QoQ Change | Loan/Share |
|---|---|---|---|
| 2024 Q2 | $29.7M | 20.4% | |
| 2024 Q3 | $31.1M | +4.8% | 21.9% |
| 2024 Q4 | $31.5M | +1.3% | 21.9% |
| 2025 Q1 | $30.1M | -4.5% | 20.5% |
| 2025 Q2 | $30.9M | +2.8% | 21.9% |
| 2025 Q3 | $31.9M | +3.2% | 22.8% |
Source: NCUA 5300 Call Reports
Credit Quality & Risk
Community Credit Union reports $41K in loans delinquent 60+ days, representing a 0.13% delinquency rate. This healthy delinquency rate reflects disciplined underwriting and effective collections.
Year-to-date net charge-offs of $237 represent a 0.00% annualized loss rate. This low charge-off rate indicates strong credit performance.
Historical Context: Since the 2008 Crisis
Community Credit Union's loan portfolio has contracted 12% since Q3 2008, when the financial crisis was at its peak. At that time, the credit union held $36.4M in loans with a 0.56% delinquency rate.
Today's delinquency rate of 0.13% remains below crisis-era levels, demonstrating improved credit quality and risk management.
Peer Comparison
Among 889 credit unions in its $85.3M–$255.8M asset peer group, Community Credit Union ranks in the 57th percentile for loan growth.
Outlook
Community Credit Union's loan portfolio trajectory will depend on economic conditions, interest rate movements, and the credit union's ability to compete with banks and fintech lenders for consumer and auto loans.
Community Credit Union's Q4 2025 results, expected in early 2026, will provide further insight into whether this growth trajectory can be sustained.
Track This Credit Union
Monitor Community Credit Union's quarterly loan performance, credit quality metrics, and portfolio composition with Finleet Terminal.
Data Sources: NCUA 5300 Call Reports (2025_Q3), NCUA Historical Data (2007-present), Finleet Proprietary Analysis
Methodology: Year-over-year growth calculated comparing 2025_Q3 to same quarter prior year. Peer groups defined as credit unions within 50% asset range. Delinquency rate calculated as loans 60+ days past due divided by total loans. Crisis comparison uses Q3 2008 as baseline.