State credit union · Covington, Virginia · NCUA charter #66967
Jackson River Community
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $127.3M
- Total assets
- 6,815
- Members
- 15.3%
- Net-worth ratio
Jackson River Community scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $127.3M; members 6,815; net-worth ratio 15.34%; health rank #2,948 of 4,374; healthier than 31st of scored peers.
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NCUA 5300 Call Report Masthead
#2,948 of 4,374 health · 2025Q4Jackson River Community · health 78/100 · $127.3M · 2025Q4
Call Report peers
Jackson River Community in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Jackson River Community vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Jackson River Community 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
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Jackson River Community
- Net Worth Ratio leads the peer set - 15.34% here, 12.11% peer average (+3.23 pp).
- Largest lag: Loan-to-Share Ratio at 50.56% vs peer 72.20% (-21.64 pp).
Jackson River Community: in-state Call Report ranks
- In Virginia, health place is #56 of 95 on the same NCUA-ratio sort used nationally.
- By total assets, Jackson River Community is #42 of 95 in Virginia.
- Membership ranks #51 of 95 among Virginia CUs with a reported count (6,815 members).
- One place up in Virginia, Baylands Family (#55) scores 79/100, 1 point higher; one place down, HOMEBASE (#57) ties at 78/100.
Quarter path for Jackson River Community
Jackson River Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.7% from $127.3M (2025Q4) to $131.9M (2026Q1).
- Net-worth ratio shifted +0.03 pp (15.31% → 15.34%).
This credit union's 15.34% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 78/100 score is built
Jackson River Community gives up 22 points in total. Delinquency Rate costs the most, 15.5 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 9.5 pts
- Return on Assets 15.0 pts
- Member Growth 13.1 pts
- Loan-to-Share Ratio 10.4 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.34% | +3.23 pp |
| Delinquency Rate | 2.47% | +1.58 pp |
| Return on Assets | 1.64% | +1.02 pp |
| Member Growth | 3.43% | - |
| Loan-to-Share Ratio | 50.56% | -21.64 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $131.9M | - |
| 2025Q4 | $127.3M | 6,815 |
| 2024Q4 | $117.2M | 6,589 |
| 2023Q4 | $108.5M | 7,069 |
Credit Union Details
- Charter Number
- 66967
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Virginia
- City
- Covington
- Data Quarter
- 2025Q4
Branch Locations (2)
Jackson River Community operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Jackson River Community Credit Union (Main Office) | Covington, VA |
| Jackson River Community Credit Union | Low Moor, VA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Virginia
Other federally-insured credit unions in Virginia, closest first by peer group and asset size.
Jackson River Community nationwide neighbourhoods
Using this data
- Jackson River Community ranks #2,948 of 4,374 nationally on financial health and #56 of 95 in VA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- N a E is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with N a E
Frequently Asked Questions
Is Jackson River Community financially healthy?
On its 2025Q4 NCUA 5300 filing, Jackson River Community scores 78/100 (Very Good), with a 15.34% net worth ratio and 2.47% of loans delinquent. It ranks #2,948 of 4,374 nationally on health and #56 of 95 in Virginia.
How does Jackson River Community compare to other credit unions?
Jackson River Community scores 78/100, higher than 31% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (15.34% vs 12.11%). Its widest shortfall is loan-to-share ratio (50.56% vs 72.20%).
How can I join Jackson River Community?
Membership eligibility for Jackson River Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Jackson River Community directly for current membership requirements and application steps.
Is my money safe at Jackson River Community?
Jackson River Community is a state-chartered 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 River Community's net worth ratio of 15.34% 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.