State credit union · MARIANNA, Florida · NCUA charter #67334
Jackson County 1st
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $47.3M
- Total assets
- 2,812
- Members
- 18.1%
- Net-worth ratio
Jackson County 1st scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $47.3M; members 2,812; net-worth ratio 18.08%; health rank #1,896 of 4,374; healthier than 54th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,896 of 4,374 health · 2025Q4Jackson County 1st · health 85/100 · $47.3M · 2025Q4
- HEALTH 85/100
- NW 18.1%
- DELQ 0.12%
- ROA 0.71%
- ASSETS $47.3M
- MEM 2,812
- RANK #1,896/4,374
- PHOTO Houston Highway
- BOOK 67334
Call Report peers
Jackson County 1st in the assets neighbourhood
Jackson County 1st's $47.3M assets sit next to Houston Highway ($47.3M) 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 County 1st 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
85 Top 46% higher than 54% 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 County 1st - Share Insurance Coverage
Charter #67334's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Peer-gap read for Jackson County 1st
- Largest favorable gap: Net Worth Ratio at 18.08% vs peer 14.86% (+3.22 pp).
- Loan-to-Share Ratio trails the peer set - 48.32% here, 59.80% peer average (-11.48 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Jackson County 1st sits in Florida
- Florida health ordinal: #57 of 109.
- Florida assets place: #82 of 109.
- Florida membership ordinal: #85 of 109.
In-state ordinals use the live credit_unions table for FL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Jackson County 1st
Jackson County 1st: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.4% from $47.3M (2025Q4) to $48.5M (2026Q1).
- Net-worth ratio shifted -0.31 pp (18.39% → 18.08%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 18.08% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 85/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 85.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 4.2 pts
- Loan-to-Share Ratio 10.8 pts
Jackson County 1st health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.08% | +3.22 pp |
| Delinquency Rate | 0.12% | -1.02 pp |
| Return on Assets | 0.71% | +0.00 pp |
| Member Growth | -2.67% | - |
| Loan-to-Share Ratio | 48.32% | -11.48 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Jackson County 1st filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $48.5M | - |
| 2025Q4 | $47.3M | 2,812 |
| 2024Q4 | $42.3M | 2,889 |
| 2023Q4 | $40.7M | 3,082 |
Credit Union Details
- Charter Number
- 67334
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Florida
- City
- MARIANNA
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Jackson County 1st runs 2 offices in 2 different cities across 2 states.
| Office | City |
|---|---|
| Jackson Co Teachers CU (Main Office) | Marianna, FL |
| CU South, Inc. | Fairhope, AL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Florida
More federally-insured credit unions based in Florida, ordered by peer group match and asset size.
Other-state peers near Jackson County 1st
Two NCUA Call Report peer sets for Jackson County 1st, both outside Florida so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($47.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
Using this data
- Jackson County 1st ranks #1,896 of 4,374 nationally on financial health and #57 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Ocala Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Ocala Community
- Rates and health both vary by institution, not just by state -- see how Florida credit unions compare overall before assuming this one is typical. Florida 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 County 1st financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Jackson County 1st carries a financial health score of 85/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,896 of 4,374; by total assets it ranks #2,443 of 4,374 nationally (same basis as /rankings/largest); and #82 of 109 within Florida. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 18.08% net worth ratio and a 0.12% delinquency rate.
How does Jackson County 1st compare to other credit unions?
PlainCU's health composite puts Jackson County 1st at 85/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 County 1st?
Membership eligibility for Jackson County 1st depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Jackson County 1st directly for current membership requirements and application steps.
Is my money safe at Jackson County 1st?
Federal credit unions like Jackson County 1st 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 County 1st's net worth ratio of 18.08% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Jackson County 1st offer compared to banks?
Credit unions like Jackson County 1st 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 County 1st 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.