Jackson County 1st Credit Union Marianna, Florida
Jackson County 1st Credit Union is a state-chartered credit union headquartered in Marianna, FL, established in 1980 (NCUA charter 67334), and it is regulated and insured by the NCUA. At Q2 2026 it reported 2,765 members and total assets of $48.9M (up 8.0% from Q2 2025), the 81st largest of 106 credit unions headquartered in Florida. Its net worth ratio was 18.06% at Q2 2026, in the well capitalized band.
Also written as Jackson County 1st CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 67334
- Headquarters
- Marianna, FL
- Established
- 1980
- Total assets, Q2 2026
- $48.9M
- Assets vs Q2 2025
- +8.0%
- Members, Q2 2026
- 2,765
- Net worth ratio, Q2 2026
- 18.06%
- Latest call report
- Q2 2026, NCUA 5300 · Jackson County 1st Credit Union call report
- Asset rank in state
- 81st of 106 in Florida
- Routing number
- 263279937
- Branches
- 2
It has 82 fewer members than on June 30, 2025 (-2.9%). Its net worth ratio was down 1.12 percentage points from 19.18% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $7.4M of $20.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.76% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 18.06% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in Florida
Credit unions merged into Jackson County 1st Credit Union
Sunland Credit Union (2018)
Frequently asked about Jackson County 1st Credit Union
How big is Jackson County 1st Credit Union?
At Q2 2026 it reported total assets of $48.9M and 2,765 members.
Where is Jackson County 1st Credit Union headquartered?
It is headquartered in Marianna, FL, United States.
When was Jackson County 1st Credit Union founded?
It was established in 1980, per NCUA records.
Is Jackson County 1st Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 67334): 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 Jackson County 1st Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Jackson County 1st Credit Union well capitalized?
Its net worth ratio was 18.06% 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 Jackson County 1st Credit Union's delinquency ratio?
Its delinquency ratio was 0.76% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Jackson County 1st Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 49.25% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Marianna, FL 32446
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1980
- NCUA Charter #
- 67334
- RSSD ID
- 889296
- Members
- 2,765
- Potential members
- 47,319
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 18.06% | 14.31% | 68th above |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.49% | 0.72% | 40th below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 2.71% | 4.74% | 36th below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.70% | 3.93% | 41st below |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 89.36% | 79.83% | 30th below |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.18% | 0.78% | 28th below |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.76% | 0.86% | 55th above |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.88% | 4.70% | 57th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 49.25% | 58.92% | 35th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$48.9M total assets against $45.3M; $41.1M total shares and deposits against $37.7M; $20.2M total loans against $18.8M.
$8.8M net worth against $8.7M.
18.06% net worth ratio against 19.18%.
49.25% loan-to-share ratio against 49.92%.
0.76% delinquency ratio against 0.10%.
0.49% return on assets against 0.59%; 2.71% return on equity against 3.08%.
3.70% net interest margin against 3.58%.
2,765 members against 2,847.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 18.06% | 0.49% | 0.76% | 49.25% |
| March 31, 2026 | 18.08% | 0.49% | 0.09% | 47.29% |
| December 31, 2025 | 18.39% | 0.35% | 0.12% | 48.32% |
| September 30, 2025 | 18.85% | 0.06% | 0.19% | 48.57% |
| June 30, 2025 | 19.18% | 0.59% | 0.10% | 49.92% |
| March 31, 2025 | 19.82% | 0.23% | 0.24% | 52.58% |
Scroll sideways to see every column.
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.