State credit union · LYNCHBURG, Tennessee · NCUA charter #67197
Jack Daniel Employees
Health score 99/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 99
- Health / 100
- $53.7M
- Total assets
- 3,252
- Members
- 11.3%
- Net-worth ratio
Jack Daniel Employees scores 99/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $53.7M; members 3,252; net-worth ratio 11.28%; health rank #60 of 4,374; healthier than 98th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#60 of 4,374 health · 2025Q4Jack Daniel Employees · health 99/100 · $53.7M · 2025Q4
- DELQ 99/100
- ROA 11.3%
- ASSETS 0.54%
- MEM 0.89%
- RANK $53.7M
- PHOTO 3,252
- BOOK #60/4,374
- CHARTER Lancaster Red Rose
- NCUSIF 67197
Call Report peers
Jack Daniel Employees in the assets neighbourhood
Jack Daniel Employees's $53.7M assets sit next to Lancaster Red Rose ($53.7M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Jack Daniel Employees vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
99 Top 2% higher than 98% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Jack Daniel Employees - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #67197 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Peer-gap read for Jack Daniel Employees
- Largest favorable gap: Loan-to-Share Ratio at 77.40% vs peer 62.60% (+14.80 pp).
- Widest shortfall vs peers is Net Worth Ratio: -2.34 pp (11.28% vs 13.62%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Tennessee standing for Jack Daniel Employees
- Tennessee health ordinal: #4 of 127.
- Tennessee assets place: #63 of 127.
- Tennessee membership ordinal: #68 of 127.
In-state ordinals use the live credit_unions table for TN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Jack Daniel Employees Call Report trajectory
Jack Daniel Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.3% from $53.7M (2025Q4) to $55.5M (2026Q1).
- Net-worth ratio shifted -0.05 pp (11.33% → 11.28%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 11.28%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 99/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 99.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.6 pts
- Return on Assets 15.0 pts
- Member Growth 14.8 pts
- Loan-to-Share Ratio 14.6 pts
Jack Daniel Employees health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.28% | -2.34 pp |
| Delinquency Rate | 0.54% | -0.43 pp |
| Return on Assets | 0.89% | +0.24 pp |
| Member Growth | 4.87% | - |
| Loan-to-Share Ratio | 77.40% | +14.80 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Call Report history - Jack Daniel Employees
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $55.5M | - |
| 2025Q4 | $53.7M | 3,252 |
| 2024Q4 | $51.3M | 3,101 |
| 2023Q4 | $48.7M | 2,955 |
Credit Union Details
- Charter Number
- 67197
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Tennessee
- City
- LYNCHBURG
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Jack Daniel Employees.
| Office | City |
|---|---|
| MAIN OFFICE (Main Office) | LYNCHBURG, TN |
| LYNCHBURG ELEMENTARY SCHOOL BRANCH | LYNCHBURG, TN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Tennessee
A look at other Tennessee credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near Jack Daniel Employees
Cross-state asset and health neighbours for Jack Daniel Employees - kept outside Tennessee; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($53.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (99/100 here).
Using this data
- Jack Daniel Employees ranks #60 of 4,374 nationally on financial health and #4 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- HEALTHNET is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with HEALTHNET
- Rates and health both vary by institution, not just by state -- see how Tennessee credit unions compare overall before assuming this one is typical. Tennessee state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Jack Daniel Employees financially healthy?
A 11.28% net worth ratio and a 0.54% delinquency rate feed into Jack Daniel Employees's financial health score of 99/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #60 of 4,374; by total assets it ranks #2,347 of 4,374 nationally (same basis as /rankings/largest); and #63 of 127 within Tennessee. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Jack Daniel Employees compare to other credit unions?
99/100 is Jack Daniel Employees's score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Jack Daniel Employees?
Membership eligibility for Jack Daniel Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Jack Daniel Employees directly for current membership requirements and application steps.
Is my money safe at Jack Daniel Employees?
Federal credit unions like Jack Daniel Employees are 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. Jack Daniel Employees's net worth ratio of 11.28% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Jack Daniel Employees offer compared to banks?
Credit unions like Jack Daniel Employees are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Jack Daniel Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.