Credit Union Safety Analysis
Is P&G Jackson Employees Federal Credit Union Safe? Jackson, Tennessee
Based on its Q2 2026 NCUA 5300 call report, P&G Jackson Employees Federal Credit Union has a net worth ratio of 14.29%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.69%, 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, P&G Jackson Employees Federal Credit Union's net worth ratio is 14.29%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 14.29%
- Delinquency ratio (60+ days) (Q2 2026): 0.69%
- Return on assets (Q2 2026): 0.86%
- Loan-to-share ratio (Q2 2026): 20.34%
P&G Jackson Employees Federal Credit Union (NCUA charter 20662, established 1971) reported $16.8M in assets and 1,366 members for Q2 2026 from Jackson, Tennessee. It ranks 93 of 123 credit unions in Tennessee by total assets. Total assets fell 2.6% from $17.3M on June 30, 2025. It has 66 fewer members than on June 30, 2025 (-4.6%). Its net worth ratio was up 1.56 percentage points from 12.73% on June 30, 2025. New vehicle loans are its largest loan category, $1.1M of $2.9M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.69% is below 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: 13.52% for Q1 2026; 12.73% 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: 0.58% for Q1 2026; 0.64% 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: 1.24% for Q1 2026; 1.51% 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: 21.11% for Q1 2026; 24.29% for Q2 2025.
Loans by type, Q2 2026
- New vehicle loans: $1.1M
- Used vehicle loans: $1.0M
- Other unsecured loans and lines of credit: $368K
- Unsecured credit card loans: $353K
- Other secured non-real estate loans and lines of credit: $111K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $16.8M | 14.29% | 0.69% | 0.86% | 20.34% |
| March 31, 2026 | $17.5M | 13.52% | 0.58% | 1.24% | 21.11% |
| December 31, 2025 | $16.8M | 13.78% | 0.57% | 1.18% | 23.24% |
| September 30, 2025 | $16.7M | 13.54% | 0.75% | 1.54% | 23.62% |
| June 30, 2025 | $17.3M | 12.73% | 0.64% | 1.51% | 24.29% |
| March 31, 2025 | $16.9M | 12.62% | 0.33% | 1.00% | 24.89% |
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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.
P&G Jackson Employees Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 20662) · FFIEC NIC profile (RSSD 968584)
Frequently asked questions
Is P&G Jackson Employees Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, P&G Jackson Employees Federal Credit Union's net worth ratio is 14.29%, above the 7% NCUA threshold for well capitalized.
Is P&G Jackson Employees Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. P&G Jackson Employees Federal Credit Union is a federally insured credit union (NCUA charter 20662): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are P&G Jackson Employees Federal Credit Union's key safety ratios?
For Q2 2026, P&G Jackson Employees Federal Credit Union reports net worth 14.29%, delinquency 0.69%, ROA 0.86%, loan-to-share 20.34%.
What happens to my money if P&G Jackson Employees Federal Credit Union fails?
For Q2 2026, P&G Jackson Employees Federal Credit Union held $14.3M in shares and deposits for 1,366 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.