Credit Union Safety Analysis
Is Jackson County Federal Credit Union Safe? Edna, Texas
Based on its Q2 2026 NCUA 5300 call report, Jackson County Federal Credit Union has a net worth ratio of 9.68%, at the NCUA level for well capitalized, its 60-day delinquency ratio is not reported, 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 Federal Credit Union's net worth ratio is 9.68%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.68%
- Delinquency ratio (60+ days) (Q2 2026): not reported
- Return on assets (Q2 2026): 0.83%
- Loan-to-share ratio (Q2 2026): 71.85%
Jackson County Federal Credit Union (NCUA charter 10324, established 1955) reported $9.0M in assets and 700 members for Q2 2026 from Edna, Texas. It ranks 311 of 377 credit unions in Texas by total assets. Total assets grew 4.6% from $8.6M on June 30, 2025. It has 16 fewer members than on June 30, 2025 (-2.2%). Its net worth ratio was up 0.42 percentage points from 9.26% on June 30, 2025. New vehicle loans are its largest loan category, $2.9M of $5.8M in total loans on its June 30, 2026 filing.
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: 9.29% for Q1 2026; 9.26% 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: 0.07% for Q1 2026 .
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: 0.66% for Q1 2026; 1.23% 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: 70.65% for Q1 2026; 79.74% for Q2 2025.
Loans by type, Q2 2026
- New vehicle loans: $2.9M
- Used vehicle loans: $1.7M
- Other unsecured loans and lines of credit: $882K
- Other secured non-real estate loans and lines of credit: $366K
- 1- to 4-family residential and other consumer real estate loans: $35K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $9.0M | 9.68% | — | 0.83% | 71.85% |
| March 31, 2026 | $9.2M | 9.29% | 0.07% | 0.66% | 70.65% |
| December 31, 2025 | $9.0M | 9.36% | 0.07% | 0.69% | 74.44% |
| September 30, 2025 | $9.1M | 9.08% | — | 1.13% | 75.19% |
| June 30, 2025 | $8.6M | 9.26% | — | 1.23% | 79.74% |
| March 31, 2025 | $8.6M | 9.03% | — | 0.95% | 78.69% |
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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 Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 10324) · FFIEC NIC profile (RSSD 732682)
Frequently asked questions
Is Jackson County Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Jackson County Federal Credit Union's net worth ratio is 9.68%, above the 7% NCUA threshold for well capitalized.
Is Jackson County Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Jackson County Federal Credit Union is a federally insured credit union (NCUA charter 10324): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Jackson County Federal Credit Union's key safety ratios?
For Q2 2026, Jackson County Federal Credit Union reports net worth 9.68%, delinquency not reported, ROA 0.83%, loan-to-share 71.85%.
What happens to my money if Jackson County Federal Credit Union fails?
For Q2 2026, Jackson County Federal Credit Union held $8.1M in shares and deposits for 700 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.