Federal credit union · Edna, Texas · NCUA charter #10324
Jackson County
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $9.0M
- Total assets
- 719
- Members
- 9.3%
- Net-worth ratio
Jackson County scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $9.0M; members 719; net-worth ratio 9.29%; health rank #1,336 of 4,374; healthier than 69th of scored peers.
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Jackson County vs every NCUA-scored credit union
Jackson County sits in the busiest band, 85-89, alongside 857 other credit unions.
89 Top 31% higher than 69% 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 County
- Largest favorable gap: Loan-to-Share Ratio at 74.44% vs peer 63.60% (+10.84 pp).
- Widest shortfall vs peers is Net Worth Ratio: -9.77 pp (9.29% vs 19.06%).
Texas standing for Jackson County
- In Texas, health place is #126 of 386 on the same NCUA-ratio sort used nationally.
- Assets rank #314 of 386 inside Texas ($9.0M reported).
- Membership ranks #341 of 386 among Texas CUs with a reported count (719 members).
- One place up in Texas, Community Service (#125) ties at 89/100; one place down, FIVEPOINT (#127) ties at 89/100.
Jackson County Call Report trajectory
Jackson County: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.6% from $9.0M (2025Q4) to $9.2M (2026Q1).
- Net-worth ratio shifted -0.07 pp (9.36% → 9.29%).
This credit union's 9.29% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 89/100 score is built
Jackson County gives up 11 points in total. Member Growth costs the most, 9 of its 15; Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 28.2 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 6.0 pts
- Loan-to-Share Ratio 14.8 pts
Jackson County health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.29% | -9.77 pp |
| Delinquency Rate | 0.07% | -1.74 pp |
| Return on Assets | 0.76% | +0.31 pp |
| Member Growth | -1.64% | - |
| Loan-to-Share Ratio | 74.44% | +10.84 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Jackson County quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $9.2M | - |
| 2025Q4 | $9.0M | 719 |
| 2024Q4 | $8.6M | 731 |
| 2023Q4 | $8.5M | 712 |
Credit Union Details
- Charter Number
- 10324
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Texas
- City
- Edna
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Jackson County runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| Jackson County FCU (Main Office) | Edna, TX |
| Victoria Teachers FCU | Victoria, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
A look at other Texas credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Similar health score
Using this data
- Jackson County ranks #1,336 of 4,374 nationally on financial health and #126 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- VICTORIA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with VICTORIA
Frequently Asked Questions
Is Jackson County financially healthy?
On its 2025Q4 NCUA 5300 filing, Jackson County scores 89/100 (Excellent), with a 9.29% net worth ratio and 0.07% of loans delinquent. It ranks #1,336 of 4,374 nationally on health and #126 of 386 in Texas.
How does Jackson County compare to other credit unions?
Jackson County scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (74.44% vs 63.60%). Its widest shortfall is net worth ratio (9.29% vs 19.06%).
How can I join Jackson County?
Jackson County operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Jackson County directly for the exact boundaries and application steps.
Is my money safe at Jackson County?
Jackson County 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 County's net worth ratio of 9.29% 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.