Jackson River Community Credit Union Covington, Virginia
Jackson River Community Credit Union is a state-chartered credit union headquartered in Covington, VA, established in 1953 (NCUA charter 66967), and it is regulated and insured by the NCUA. At Q2 2026 it reported 6,928 members and total assets of $132.6M (up 8.1% from Q2 2025), the 41st largest of 94 credit unions headquartered in Virginia. Its net worth ratio was 15.90% at Q2 2026, in the well capitalized band.
Also written as Jackson River Community 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
- 66967
- Headquarters
- Covington, VA
- Established
- 1953
- Total assets, Q2 2026
- $132.6M
- Assets vs Q2 2025
- +8.1%
- Members, Q2 2026
- 6,928
- Net worth ratio, Q2 2026
- 15.90%
- Latest call report
- Q2 2026, NCUA 5300 · Jackson River Community Credit Union call report
- Asset rank in state
- 41st of 94 in Virginia
- Routing number
- 251480372
- Branches
- 2
It has 226 more members than on June 30, 2025 (+3.4%). Its net worth ratio was up 0.98 percentage points from 14.92% on June 30, 2025. Used vehicle loans are its largest loan category, $33.9M of $53.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.41% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 15.90% net worth ratio is above that band's 11.43% median.
Credit unions similar in size in Virginia
Frequently asked about Jackson River Community Credit Union
How big is Jackson River Community Credit Union?
At Q2 2026 it reported total assets of $132.6M and 6,928 members.
Where is Jackson River Community Credit Union headquartered?
It is headquartered in Covington, VA, United States.
When was Jackson River Community Credit Union founded?
It was established in 1953, per NCUA records.
Is Jackson River Community Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 66967): 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 River Community 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 River Community Credit Union well capitalized?
Its net worth ratio was 15.90% 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 River Community Credit Union's delinquency ratio?
Its delinquency ratio was 1.41% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Jackson River Community Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 48.13% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Covington, VA 24426
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1953
- NCUA Charter #
- 66967
- RSSD ID
- 147790
- Members
- 6,928
- Potential members
- 27,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 6 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 15.90% | 11.43% | 89th top |
| Return on assets Middle half of peers: 0.43% to 1.23% | 2.54% | 0.81% | over 90th top |
| Return on equity Middle half of peers: 3.87% to 9.84% | 15.98% | 7.02% | over 90th top |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 4.28% | 3.70% | 82nd top |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 50.50% | 76.55% | over 90th top |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 0.67% | 1.24% | 88th top |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 1.41% | 0.68% | 18th bottom |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 4.95% | 4.92% | 52nd position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 48.13% | 75.66% | under 10th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$132.6M total assets against $122.6M; $111.4M total shares and deposits against $104.4M; $53.6M total loans against $53.7M.
$21.1M net worth against $18.3M.
15.90% net worth ratio against 14.92%.
48.13% loan-to-share ratio against 51.39%.
1.41% delinquency ratio against 1.76%.
2.54% return on assets against 2.42%; 15.98% return on equity against 16.22%.
4.28% net interest margin against 4.33%.
6,928 members against 6,702.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 15.90% | 2.54% | 1.41% | 48.13% |
| March 31, 2026 | 15.34% | 2.30% | 1.60% | 48.62% |
| December 31, 2025 | 15.31% | 2.07% | 2.47% | 50.56% |
| September 30, 2025 | 15.37% | 2.09% | 1.94% | 52.00% |
| June 30, 2025 | 14.92% | 2.42% | 1.76% | 51.39% |
| March 31, 2025 | 14.25% | 1.73% | 1.74% | 49.37% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
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.