Jackson County Cooperative Credit Union Seymour, Indiana
Jackson County Cooperative Credit Union is a state-chartered credit union headquartered in Seymour, IN, established in 1955 (NCUA charter 97063), and it is regulated and insured by the NCUA. At Q2 2026 it reported 1,060 members and total assets of $31.3M (up 6.4% from Q2 2025), the 86th largest of 118 credit unions headquartered in Indiana. Its net worth ratio was 18.39% at Q2 2026, in the well capitalized band.
Also written as Jackson County Cooperative 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
- 97063
- Headquarters
- Seymour, IN
- Established
- 1955
- Total assets, Q2 2026
- $31.3M
- Assets vs Q2 2025
- +6.4%
- Members, Q2 2026
- 1,060
- Net worth ratio, Q2 2026
- 18.39%
- Latest call report
- Q2 2026, NCUA 5300 · Jackson County Cooperative Credit Union call report
- Asset rank in state
- 86th of 118 in Indiana
- Routing number
- 283978137
- Branches
- 1
It has 14 more members than on June 30, 2025 (+1.3%). Its net worth ratio was up 0.12 percentage points from 18.27% on June 30, 2025. Commercial loans are its largest loan category, $18.8M of $21.1M in total loans on its June 30, 2026 filing.
Credit unions similar in size in Indiana
Frequently asked about Jackson County Cooperative Credit Union
How big is Jackson County Cooperative Credit Union?
At Q2 2026 it reported total assets of $31.3M and 1,060 members.
Where is Jackson County Cooperative Credit Union headquartered?
It is headquartered in Seymour, IN, United States.
When was Jackson County Cooperative Credit Union founded?
It was established in 1955, per NCUA records.
Is Jackson County Cooperative Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 97063): 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 Cooperative 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 Cooperative Credit Union well capitalized?
Its net worth ratio was 18.39% 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 Cooperative Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 82.81% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Seymour, IN 47274
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1955
- NCUA Charter #
- 97063
- RSSD ID
- 142290
- Members
- 1,060
- Potential members
- 3,000
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 2 of 6 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 18.39% | 14.31% | 70th above |
| Return on assets Middle half of peers: 0.16% to 1.30% | 1.35% | 0.72% | 76th top |
| Return on equity Middle half of peers: 1.04% to 8.69% | 7.34% | 4.74% | 66th above |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 4.68% | 3.93% | 78th top |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 73.20% | 79.83% | 64th above |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.97% | 0.78% | 40th below |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | not on file | 0.86% | not on file |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 5.64% | 4.70% | 81st position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 82.81% | 58.92% | 83rd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$31.3M total assets against $29.4M; $25.5M total shares and deposits against $24.0M; $21.1M total loans against $20.8M.
$5.7M net worth against $5.4M.
18.39% net worth ratio against 18.27%.
82.81% loan-to-share ratio against 86.62%.
1.35% return on assets against 1.56%; 7.34% return on equity against 8.53%.
4.68% net interest margin against 4.48%.
1,060 members against 1,046.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 18.39% | 1.35% | — | 82.81% |
| March 31, 2026 | 18.07% | 1.52% | — | 82.83% |
| December 31, 2025 | 18.54% | 1.27% | — | 92.03% |
| September 30, 2025 | 18.01% | 0.81% | — | 84.79% |
| June 30, 2025 | 18.27% | 1.56% | 0.12% | 86.62% |
| March 31, 2025 | 17.10% | 1.48% | — | 79.25% |
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.