J S C Federal Credit Union Houston, Texas
J S C Federal Credit Union is a federal credit union headquartered in Houston, TX, established in 1961 (NCUA charter 14762), and it is regulated and insured by the NCUA. At Q2 2026 it reported 127,511 members and total assets of $2.65B (down 0.6% from Q2 2025), the 11th largest of 377 credit unions headquartered in Texas. Its net worth ratio was 12.01% at Q2 2026, in the well capitalized band.
Also written as JSC FCU · Trade names filed with the NCUA: Wellby Financial and Wellby
BankRegReports is independent of J S C Federal Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 14762
- Headquarters
- Houston, TX
- Established
- 1961
- Total assets, Q2 2026
- $2.65B
- Assets vs Q2 2025
- -0.6%
- Members, Q2 2026
- 127,511
- Net worth ratio, Q2 2026
- 12.01%
- Latest call report
- Q2 2026, NCUA 5300 · J S C Federal Credit Union call report
- Asset rank in state
- 11th of 377 in Texas
- Routing number
- 313083992
- Branches
- 22
It has 2,466 more members than on June 30, 2025 (+2.0%). Its net worth ratio was up 0.16 percentage points from 11.85% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $921.4M of $1.83B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.08% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 12.01% net worth ratio is above that band's 10.89% median.
Credit unions merged into J S C Federal Credit Union
Frequently asked about J S C Federal Credit Union
How big is J S C Federal Credit Union?
At Q2 2026 it reported total assets of $2.65B and 127,511 members.
Where is J S C Federal Credit Union headquartered?
It is headquartered in Houston, TX, United States.
When was J S C Federal Credit Union founded?
It was established in 1961, per NCUA records.
Is J S C Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 14762): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates J S C Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is J S C Federal Credit Union well capitalized?
Its net worth ratio was 12.01% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is J S C Federal Credit Union's delinquency ratio?
Its delinquency ratio was 1.08% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is J S C Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 78.70% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Houston, TX 77058
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1961
- NCUA Charter #
- 14762
- RSSD ID
- 647281
- Members
- 127,511
- Potential members
- 2,700,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 12.01% | 10.89% | 66th above |
| Return on assets Middle half of peers: 0.59% to 1.25% | 0.67% | 0.89% | 32nd below |
| Return on equity Middle half of peers: 5.37% to 10.92% | 5.62% | 8.07% | 27th below |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.25% | 3.45% | 38th below |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 70.16% | 70.59% | 51st above |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.53% | 1.68% | 62nd above |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 1.08% | 0.68% | 24th bottom |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 4.78% | 5.12% | 30th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 78.70% | 88.03% | 26th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$2.65B total assets against $2.66B; $2.32B total shares and deposits against $2.34B; $1.83B total loans against $1.81B.
$317.8M net worth against $315.5M.
12.01% net worth ratio against 11.85%.
78.70% loan-to-share ratio against 77.40%.
1.08% delinquency ratio against 0.94%.
0.67% return on assets against 0.49%; 5.62% return on equity against 4.17%.
3.25% net interest margin against 2.95%.
127,511 members against 125,045.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 12.01% | 0.67% | 1.08% | 78.70% |
| March 31, 2026 | 11.90% | 0.49% | 0.99% | 76.88% |
| December 31, 2025 | 11.72% | -1.06% | 1.18% | 76.37% |
| September 30, 2025 | 11.96% | 0.51% | 0.86% | 77.03% |
| June 30, 2025 | 11.85% | 0.49% | 0.94% | 77.40% |
| March 31, 2025 | 11.71% | 0.15% | 0.66% | 77.77% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.