Credit Union Safety Analysis
Is Jackson County 1st Credit Union Safe? Marianna, Florida
Based on its Q2 2026 NCUA 5300 call report, Jackson County 1st Credit Union has a net worth ratio of 18.06%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.76%, 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, Jackson County 1st Credit Union's net worth ratio is 18.06%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 18.06%
- Delinquency ratio (60+ days) (Q2 2026): 0.76%
- Return on assets (Q2 2026): 0.49%
- Loan-to-share ratio (Q2 2026): 49.25%
Jackson County 1st Credit Union (NCUA charter 67334, established 1980) reported $48.9M in assets and 2,765 members for Q2 2026 from Marianna, Florida. It ranks 81 of 106 credit unions in Florida by total assets. Total assets grew 8.0% from $45.3M on June 30, 2025. 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.
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: 18.08% for Q1 2026; 19.18% 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: 0.09% for Q1 2026; 0.10% 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: 0.49% for Q1 2026; 0.59% 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: 47.29% for Q1 2026; 49.92% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $7.4M
- Other unsecured loans and lines of credit: $4.9M
- Used vehicle loans: $3.3M
- New vehicle loans: $2.7M
- Other secured non-real estate loans and lines of credit: $1.7M
- Unsecured credit card loans: $273K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $48.9M | 18.06% | 0.76% | 0.49% | 49.25% |
| March 31, 2026 | $48.5M | 18.08% | 0.09% | 0.49% | 47.29% |
| December 31, 2025 | $47.3M | 18.39% | 0.12% | 0.35% | 48.32% |
| September 30, 2025 | $46.1M | 18.85% | 0.19% | 0.06% | 48.57% |
| June 30, 2025 | $45.3M | 19.18% | 0.10% | 0.59% | 49.92% |
| March 31, 2025 | $43.5M | 19.82% | 0.24% | 0.23% | 52.58% |
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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.
Jackson County 1st Credit Union profile
Regulator records: NCUA credit union profile (charter 67334) · FFIEC NIC profile (RSSD 889296)
Frequently asked questions
Is Jackson County 1st Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Jackson County 1st Credit Union's net worth ratio is 18.06%, above the 7% NCUA threshold for well capitalized.
Is Jackson County 1st Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Jackson County 1st Credit Union is a federally insured credit union (NCUA charter 67334): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Jackson County 1st Credit Union's key safety ratios?
For Q2 2026, Jackson County 1st Credit Union reports net worth 18.06%, delinquency 0.76%, ROA 0.49%, loan-to-share 49.25%.
What happens to my money if Jackson County 1st Credit Union fails?
For Q2 2026, Jackson County 1st Credit Union held $41.1M in shares and deposits for 2,765 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.