Credit Union Safety Analysis
Is Jefferson Credit Union Safe? Hoover, Alabama
Based on its Q2 2026 NCUA 5300 call report, Jefferson Credit Union has a net worth ratio of 10.33%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.38%, 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, Jefferson Credit Union's net worth ratio is 10.33%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.33%
- Delinquency ratio (60+ days) (Q2 2026): 1.38%
- Return on assets (Q2 2026): 0.96%
- Loan-to-share ratio (Q2 2026): 58.13%
Jefferson Credit Union (NCUA charter 63834, established 1941) reported $91.4M in assets and 8,095 members for Q2 2026 from Hoover, Alabama. It ranks 37 of 87 credit unions in Alabama by total assets. Total assets fell 4.8% from $96.0M on June 30, 2025. It has 328 fewer members than on June 30, 2025 (-3.9%). Its net worth ratio was up 1.52 percentage points from 8.81% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $16.9M of $47.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.38% is above 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: 10.01% for Q1 2026; 8.81% 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: 1.38% for Q1 2026; 2.16% 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: 0.73% for Q1 2026; 1.61% 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: 59.71% for Q1 2026; 61.16% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $16.9M
- Used vehicle loans: $16.1M
- Other secured non-real estate loans and lines of credit: $7.3M
- Other unsecured loans and lines of credit: $3.8M
- New vehicle loans: $2.1M
- Unsecured credit card loans: $740K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $91.4M | 10.33% | 1.38% | 0.96% | 58.13% |
| March 31, 2026 | $92.1M | 10.01% | 1.38% | 0.73% | 59.71% |
| December 31, 2025 | $92.8M | 9.75% | 0.74% | -0.07% | 62.26% |
| September 30, 2025 | $91.8M | 9.69% | 0.73% | -0.38% | 63.16% |
| June 30, 2025 | $96.0M | 8.81% | 2.16% | 1.61% | 61.16% |
| March 31, 2025 | $86.1M | 9.37% | 0.60% | -0.07% | 58.08% |
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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.
Jefferson Credit Union profile
Regulator records: NCUA credit union profile (charter 63834) · FFIEC NIC profile (RSSD 722692)
Frequently asked questions
Is Jefferson Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Jefferson Credit Union's net worth ratio is 10.33%, above the 7% NCUA threshold for well capitalized.
Is Jefferson Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Jefferson Credit Union is a federally insured credit union (NCUA charter 63834): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Jefferson Credit Union's key safety ratios?
For Q2 2026, Jefferson Credit Union reports net worth 10.33%, delinquency 1.38%, ROA 0.96%, loan-to-share 58.13%.
What happens to my money if Jefferson Credit Union fails?
For Q2 2026, Jefferson Credit Union held $80.9M in shares and deposits for 8,095 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.