National J.A.C.L. Credit Union Salt Lake City, Utah
National J.A.C.L. Credit Union is a state-chartered credit union headquartered in Salt Lake City, UT, established in 1943 (NCUA charter 67005), and it is regulated and insured by the NCUA. At Q2 2026 it reported 3,081 members and total assets of $38.6M (down 0.1% from Q2 2025), the 31st largest of 50 credit unions headquartered in Utah. Its net worth ratio was 9.69% at Q2 2026, in the well capitalized band.
Also written as National JACL CU · Trade name filed with the NCUA: Asian Heritage Financial 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
- 67005
- Headquarters
- Salt Lake City, UT
- Established
- 1943
- Total assets, Q2 2026
- $38.6M
- Assets vs Q2 2025
- -0.1%
- Members, Q2 2026
- 3,081
- Net worth ratio, Q2 2026
- 9.69%
- Latest call report
- Q2 2026, NCUA 5300 · National J.A.C.L. Credit Union call report
- Asset rank in state
- 31st of 50 in Utah
- Routing number
- 324078996
- Branches
- 2
It has 12 fewer members than on June 30, 2025 (-0.4%). Its net worth ratio was up 0.02 percentage points from 9.67% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $10.8M of $21.3M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.71% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 9.69% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in Utah
Frequently asked about National J.A.C.L. Credit Union
How big is National J.A.C.L. Credit Union?
At Q2 2026 it reported total assets of $38.6M and 3,081 members.
Where is National J.A.C.L. Credit Union headquartered?
It is headquartered in Salt Lake City, UT, United States.
When was National J.A.C.L. Credit Union founded?
It was established in 1943, per NCUA records.
Is National J.A.C.L. Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 67005): 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 National J.A.C.L. 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 National J.A.C.L. Credit Union well capitalized?
Its net worth ratio was 9.69% 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 National J.A.C.L. Credit Union's delinquency ratio?
Its delinquency ratio was 1.71% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is National J.A.C.L. Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 63.27% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Salt Lake City, UT 84106
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1943
- NCUA Charter #
- 67005
- RSSD ID
- 245397
- Members
- 3,081
- Potential members
- 1,185,238
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 0 of 7 ranked measures and in the bottom quartile on 6.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 9.69% | 14.31% | 14th bottom |
| Return on assets Middle half of peers: 0.16% to 1.30% | -0.03% | 0.72% | 22nd bottom |
| Return on equity Middle half of peers: 1.04% to 8.69% | -0.34% | 4.74% | 21st bottom |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 2.92% | 3.93% | 15th bottom |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 97.14% | 79.83% | 19th bottom |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.54% | 0.78% | 16th bottom |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 1.71% | 0.86% | 30th below |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.45% | 4.70% | 38th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 63.27% | 58.92% | 56th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$38.6M total assets against $38.6M; $33.6M total shares and deposits against $33.6M; $21.3M total loans against $21.2M.
$3.7M net worth against $3.7M.
9.69% net worth ratio against 9.67%.
63.27% loan-to-share ratio against 63.13%.
1.71% delinquency ratio against 0.59%.
-0.03% return on assets against -0.04%; -0.34% return on equity against -0.39%.
2.92% net interest margin against 2.73%.
3,081 members against 3,093.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 9.69% | -0.03% | 1.71% | 63.27% |
| March 31, 2026 | 9.53% | -0.11% | 1.29% | 56.88% |
| December 31, 2025 | 9.65% | 0.04% | 1.24% | 59.40% |
| September 30, 2025 | 9.72% | 0.23% | 0.69% | 61.65% |
| June 30, 2025 | 9.67% | -0.04% | 0.59% | 63.13% |
| March 31, 2025 | 9.57% | -0.17% | 0.43% | 64.01% |
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.
The credit union posted negative net income relative to assets in its latest filing. Credit unions build net worth only through retained earnings, so sustained losses gradually weaken capital. BankRegReports flag, negative earnings.
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.