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
- ROA 78/100
- ASSETS 9.1%
- MEM 1.86%
- RANK 0.46%
- PHOTO $162.4M
- BOOK 15,651
- CHARTER #3,016/4,374
- NCUSIF Southern Chautauqua
- CAMELS 8445
Call Report peers
Jackson Area in the assets neighbourhood
Jackson Area's $162.4M assets sit next to Southern Chautauqua ($162.3M) 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.
Jackson Area 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
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
Jackson Area - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #8445. See our deposit-insurance coverage note.
Peer-gap read for Jackson Area
- Widest shortfall vs peers is Loan-to-Share Ratio: -41.60 pp (30.60% vs 72.20%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for MS only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Jackson Area's 5300 filing moved
Jackson Area: total assets by quarter
3 Call Report filings on this page's own vintage chain
- 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%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 78.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Jackson Area's nationwide photo peers by assets and by health score, excluding Mississippi charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($162.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (78/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Mississippi credit unions compare overall before assuming this one is typical. Mississippi 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 Jackson Area financially healthy?
A 9.06% net worth ratio and a 1.86% delinquency rate feed into Jackson Area's financial health score of 78/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,016 of 4,374; by total assets it ranks #1,437 of 4,374 nationally (same basis as /rankings/largest); and #10 of 55 within Mississippi. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Jackson Area compare to other credit unions?
Five weighted metrics from NCUA filings produce Jackson Area's 78/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (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 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?
Federal credit unions like Jackson Area 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. Jackson Area's net worth ratio of 9.06% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Jackson Area offer compared to banks?
Credit unions like Jackson Area 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 Jackson Area 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.