Credit Union Safety Analysis
Is Jack Daniel Employees Credit Union Safe? Lynchburg, Tennessee
Based on its Q2 2026 NCUA 5300 call report, Jack Daniel Employees Credit Union has a net worth ratio of 11.32%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.63%, 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, Jack Daniel Employees Credit Union's net worth ratio is 11.32%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.32%
- Delinquency ratio (60+ days) (Q2 2026): 0.63%
- Return on assets (Q2 2026): 1.12%
- Loan-to-share ratio (Q2 2026): 77.63%
Jack Daniel Employees Credit Union (NCUA charter 67197, established 1979) reported $56.7M in assets and 3,298 members for Q2 2026 from Lynchburg, Tennessee. It ranks 60 of 123 credit unions in Tennessee by total assets. Total assets grew 6.3% from $53.3M on June 30, 2025. It has 101 more members than on June 30, 2025 (+3.2%). Its net worth ratio was down 0.06 percentage points from 11.38% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $17.4M of $38.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.63% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 11.28% for Q1 2026; 11.38% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.56% for Q1 2026; 0.36% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 1.27% for Q1 2026; 1.45% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 77.21% for Q1 2026; 78.84% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $17.4M
- Used vehicle loans: $10.0M
- New vehicle loans: $4.0M
- Other unsecured loans and lines of credit: $3.4M
- Other secured non-real estate loans and lines of credit: $2.9M
- Unsecured credit card loans: $906K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $56.7M | 11.32% | 0.63% | 1.12% | 77.63% |
| March 31, 2026 | $55.5M | 11.28% | 0.56% | 1.27% | 77.21% |
| December 31, 2025 | $53.7M | 11.33% | 0.54% | -1.37% | 77.40% |
| September 30, 2025 | $53.9M | 11.66% | 0.44% | 1.63% | 78.29% |
| June 30, 2025 | $53.3M | 11.38% | 0.36% | 1.45% | 78.84% |
| March 31, 2025 | $52.4M | 11.21% | 0.22% | 1.65% | 80.03% |
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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.
Jack Daniel Employees Credit Union profile
Regulator records: NCUA credit union profile (charter 67197) · FFIEC NIC profile (RSSD 648390)
Frequently asked questions
Is Jack Daniel Employees Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Jack Daniel Employees Credit Union's net worth ratio is 11.32%, above the 7% NCUA threshold for well capitalized.
Is Jack Daniel Employees Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Jack Daniel Employees Credit Union is a federally insured credit union (NCUA charter 67197): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Jack Daniel Employees Credit Union's key safety ratios?
For Q2 2026, Jack Daniel Employees Credit Union reports net worth 11.32%, delinquency 0.63%, ROA 1.12%, loan-to-share 77.63%.
What happens to my money if Jack Daniel Employees Credit Union fails?
For Q2 2026, Jack Daniel Employees Credit Union held $49.8M in shares and deposits for 3,298 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.