State credit union · Jefferson City, Missouri · NCUA charter #67691
J C Federal Employees
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $2.9M
- Total assets
- 596
- Members
- 24.7%
- Net-worth ratio
J C Federal Employees scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.9M; members 596; net-worth ratio 24.72%; health rank #2,925 of 4,374; healthier than 31st of scored peers.
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#2,925 of 4,374 health · 2025Q4J C Federal Employees · health 78/100 · $2.9M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
J C Federal Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); J C Federal Employees sits in 75-79 with 502 others.
78 31st percentile higher than 31% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
J C Federal Employees: Call Report deltas vs peers
- Strongest edge vs 566 $2M–$10M peers is Loan-to-Share Ratio: +18.97 pp (82.57% vs 63.60%).
- Delinquency Rate trails the peer set - 2.56% here, 1.81% peer average (+0.75 pp).
J C Federal Employees in Missouri
- Missouri health ordinal: #60 of 89.
- Missouri assets place: #82 of 89.
- Missouri membership ordinal: #81 of 89.
- One place up in Missouri, ALLTRU (#59) scores 79/100, 1 point higher; one place down, ALLIANCE (#61) ties at 78/100.
J C Federal Employees: 2025Q4 → 2026Q1
J C Federal Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -5.2% from $2.9M (2025Q4) to $2.7M (2026Q1).
- Net-worth ratio shifted +1.30 pp (23.42% → 24.72%).
At 24.72%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 78/100 score is built
J C Federal Employees gives up 22 points in total. Delinquency Rate costs the most, 16 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 9.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.2 pts
- Loan-to-Share Ratio 14.8 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 24.72% | +5.66 pp |
| Delinquency Rate | 2.56% | +0.75 pp |
| Return on Assets | 0.55% | +0.10 pp |
| Member Growth | 0.17% | - |
| Loan-to-Share Ratio | 82.57% | +18.97 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
J C Federal Employees quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.7M | - |
| 2025Q4 | $2.9M | 596 |
| 2024Q4 | $3.1M | 595 |
| 2023Q4 | $3.1M | 591 |
Credit Union Details
- Charter Number
- 67691
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Missouri
- City
- Jefferson City
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for J C Federal Employees.
| Office | City |
|---|---|
| JC Federal Employees (Main Office) | Jefferson City, MO |
| JC Federal Employees Credit Union | Jefferson City, MO |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Missouri
More federally-insured credit unions based in Missouri, ordered by peer group match and asset size.
Cross-state Call Report peers for J C Federal Employees
Similar health score
Using this data
- J C Federal Employees ranks #2,925 of 4,374 nationally on financial health and #60 of 89 in MO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- WEDEVELOPMENT is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with WEDEVELOPMENT
Frequently Asked Questions
Is J C Federal Employees financially healthy?
J C Federal Employees has a financial health score of 78/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,925 of 4,374 nationally on health and #60 of 89 in Missouri. Its net worth ratio is 24.72% and its delinquency rate 2.56%.
How does J C Federal Employees compare to other credit unions?
J C Federal Employees scores 78/100, higher than 31% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (82.57% vs 63.60%). Its widest shortfall is delinquency rate (2.56% vs 1.81%).
How can I join J C Federal Employees?
Membership eligibility for J C Federal Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact J C Federal Employees directly for current membership requirements and application steps.
Is my money safe at J C Federal Employees?
J C Federal Employees is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. J C Federal Employees's net worth ratio of 24.72% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.