Credit Union Safety Analysis
Is J S C Federal Credit Union Safe? Houston, Texas
Based on its Q2 2026 NCUA 5300 call report, J S C Federal Credit Union has a net worth ratio of 12.01%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.08%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, J S C Federal Credit Union's net worth ratio is 12.01%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.01%
- Delinquency ratio (60+ days) (Q2 2026): 1.08%
- Return on assets (Q2 2026): 0.67%
- Loan-to-share ratio (Q2 2026): 78.70%
J S C Federal Credit Union (NCUA charter 14762, established 1961) reported $2.65B in assets and 127,511 members for Q2 2026 from Houston, Texas. It ranks 11 of 377 credit unions in Texas by total assets. Total assets fell 0.6% from $2.66B on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 11.90% for Q1 2026; 11.85% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.99% for Q1 2026; 0.94% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.49% for Q1 2026; 0.49% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 76.88% for Q1 2026; 77.40% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $921.4M
- Used vehicle loans: $501.9M
- New vehicle loans: $205.8M
- Other unsecured loans and lines of credit: $89.0M
- Unsecured credit card loans: $51.3M
- Commercial loans: $34.4M
- Other secured non-real estate loans and lines of credit: $22.5M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $2.65B | 12.01% | 1.08% | 0.67% | 78.70% |
| March 31, 2026 | $2.65B | 11.90% | 0.99% | 0.49% | 76.88% |
| December 31, 2025 | $2.66B | 11.72% | 1.18% | -1.06% | 76.37% |
| September 30, 2025 | $2.66B | 11.96% | 0.86% | 0.51% | 77.03% |
| June 30, 2025 | $2.66B | 11.85% | 0.94% | 0.49% | 77.40% |
| March 31, 2025 | $2.68B | 11.71% | 0.66% | 0.15% | 77.77% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
J S C Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 14762) · FFIEC NIC profile (RSSD 647281)
Frequently asked questions
Is J S C Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, J S C Federal Credit Union's net worth ratio is 12.01%, above the 7% NCUA threshold for well capitalized.
Is J S C Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. J S C Federal Credit Union is a federally insured credit union (NCUA charter 14762): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are J S C Federal Credit Union's key safety ratios?
For Q2 2026, J S C Federal Credit Union reports net worth 12.01%, delinquency 1.08%, ROA 0.67%, loan-to-share 78.70%.
What happens to my money if J S C Federal Credit Union fails?
For Q2 2026, J S C Federal Credit Union held $2.32B in shares and deposits for 127,511 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.