Federal credit union · Jackson, Mississippi · NCUA charter #8445
Jackson Area
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $162.4M
- Total assets
- 15,651
- Members
- 9.1%
- Net-worth ratio
Jackson Area scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $162.4M; members 15,651; net-worth ratio 9.06%; health rank #3,016 of 4,374; healthier than 31st of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,016 of 4,374 health · 2025Q4Jackson Area · health 78/100 · $162.4M · 2025Q4
Call Report peers
Jackson Area in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Jackson Area vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Jackson Area 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
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
Peer-gap read for Jackson Area
- Widest shortfall vs peers is Loan-to-Share Ratio: -41.60 pp (30.60% vs 72.20%).
Jackson Area: in-state Call Report ranks
- Mississippi health ordinal: #36 of 55.
- Mississippi assets place: #10 of 55.
- Member book place in Mississippi: #9 of 55.
- One place up in Mississippi, TRIANGLE (#35) scores 79/100, 1 point higher; one place down, Mississippi Public Employees (#37) scores 76/100, 2 points lower.
How Jackson Area's 5300 filing moved
Jackson Area: total assets by quarter
2023Q4 to 2025Q4, NCUA 5300
- Assets moved +16.1% from $139.9M (2024Q4) to $162.4M (2025Q4).
- Membership moved +3.6% from 15,112 to 15,651 over the same window.
- Net-worth ratio shifted -0.58 pp (9.64% → 9.06%).
At 9.06%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 78/100 score is built
Jackson Area gives up 22 points in total. Delinquency Rate costs the most, 11.5 of its 25; Return on Assets loses the least, 0.6.
- Net Worth Ratio 27.6 pts
- Delinquency Rate 13.5 pts
- Return on Assets 14.4 pts
- Member Growth 13.3 pts
- Loan-to-Share Ratio 9.2 pts
Call Report ratios for Jackson Area
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.06% | -3.05 pp |
| Delinquency Rate | 1.86% | +0.97 pp |
| Return on Assets | 0.46% | -0.16 pp |
| Member Growth | 3.57% | - |
| Loan-to-Share Ratio | 30.60% | -41.60 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $162.4M | 15,651 |
| 2024Q4 | $139.9M | 15,112 |
| 2023Q4 | $130.2M | 14,744 |
Credit Union Details
- Charter Number
- 8445
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $100M–$500M
- State
- Mississippi
- City
- Jackson
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, Jackson Area runs 3 offices in 3 different cities.
| Office | City |
|---|---|
| JAFCU (Main Office) | Jackson, MS |
| JAFCU-Byram | Byram, MS |
| JAFCU-Clinton | Clinton, MS |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Mississippi
Other federally-insured credit unions in Mississippi, closest first by peer group and asset size.
Cross-state Call Report peers for Jackson Area
Using this data
- Jackson Area ranks #3,016 of 4,374 nationally on financial health and #36 of 55 in MS -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- RIVERTRUST is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with RIVERTRUST
Frequently Asked Questions
Is Jackson Area financially healthy?
On its 2025Q4 NCUA 5300 filing, Jackson Area scores 78/100 (Very Good), with a 9.06% net worth ratio and 1.86% of loans delinquent. It ranks #3,016 of 4,374 nationally on health and #36 of 55 in Mississippi.
How does Jackson Area compare to other credit unions?
Jackson Area scores 78/100, higher than 31% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (30.60% vs 72.20%).
How can I join Jackson Area?
Jackson Area serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Jackson Area directly for the current list of qualifying groups.
Is my money safe at Jackson Area?
Jackson Area is a federal 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. Jackson Area's net worth ratio of 9.06% 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.