State credit union · LYNCHBURG, Tennessee · NCUA charter #67197
Jack Daniel Employees
Health score 99/100 (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 - 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.
Jack Daniel Employees - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)99
- Earnings (ROA)100
- Member growth99
- Liquidity (loan-to-share)100
Weighted composite: 99/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 11.33%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 11.33% | 30% |
| Delinquency Rate | 0.54% | 25% |
| Return on Assets | 0.89% | 15% |
| Member Growth | 4.87% | 15% |
| Loan-to-Share Ratio | 77.40% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Jack Daniel Employees
Headquartered in LYNCHBURG, Tennessee, Jack Daniel Employees is a state credit union with 3,252 members, $53.7M in total assets, and $36.9M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 99/100 (Excellent), driven in part by a net worth ratio of 11.33% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #67197 and reports within peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
0.54% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers. Deposit deployment is captured by the 77.40% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.89% on net income of $481K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 4.87%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Jack Daniel Employees financially healthy?
A 11.33% 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. 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 11.33% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.