State credit union · los angeles, California · NCUA charter #63589
JACOM
Health score 71/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 71
- Health / 100
- $55.0M
- Total assets
- 7,795
- Members
- 16.3%
- Net-worth ratio
JACOM scores 71/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $55.0M; members 7,795; net-worth ratio 16.34%; health rank #3,520 of 4,374; healthier than 18th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,520 of 4,374 health · 2025Q4JACOM · health 71/100 · $55.0M · 2025Q4
- MEM 71/100
- RANK 16.3%
- PHOTO 0.10%
- BOOK -0.94%
- CHARTER $55.0M
- NCUSIF 7,795
- CAMELS #3,520/4,374
- HEALTH Toledo Police
- NW 63589
Call Report peers
JACOM in the assets neighbourhood
JACOM's $55.0M assets sit next to Toledo Police ($55.0M) 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.
JACOM 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
71 18th percentile higher than 18% 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
JACOM - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #63589 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Where JACOM diverges from peer averages
- Largest favorable gap: Net Worth Ratio at 16.34% vs peer 13.62% (+2.72 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -18.78 pp (43.82% vs 62.60%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where JACOM sits in California
- In California, health place is #205 of 243 on the same NCUA-ratio sort used nationally.
- California assets place: #181 of 243.
- Member book place in California: #135 of 243.
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How JACOM's 5300 filing moved
JACOM: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.3% from $55.0M (2025Q4) to $54.9M (2026Q1).
- Net-worth ratio shifted -0.03 pp (16.37% → 16.34%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
16.34% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 71/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 71.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 0.0 pts
- Member Growth 5.8 pts
- Loan-to-Share Ratio 10.2 pts
JACOM health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.34% | +2.72 pp |
| Delinquency Rate | 0.10% | -0.86 pp |
| Return on Assets | -0.94% | -1.60 pp |
| Member Growth | -1.76% | - |
| Loan-to-Share Ratio | 43.82% | -18.78 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Call Report history - JACOM
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $54.9M | - |
| 2025Q4 | $55.0M | 7,795 |
| 2024Q4 | $55.3M | 7,935 |
| 2023Q4 | $60.6M | 8,131 |
Credit Union Details
- Charter Number
- 63589
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- California
- City
- los angeles
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, JACOM runs one office.
| Office | City |
|---|---|
| los angeles (Main Office) | los angeles, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
A look at other California credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
JACOM's nationwide photo peers by assets and by health score, excluding California charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($55.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (71/100 here).
Using this data
- JACOM ranks #3,520 of 4,374 nationally on financial health and #205 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Huntington Beach is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Huntington Beach
- Rates and health both vary by institution, not just by state -- see how California credit unions compare overall before assuming this one is typical. California 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 JACOM financially healthy?
JACOM has a financial health score of 71/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,520 of 4,374; by total assets it ranks #2,331 of 4,374 nationally (same basis as /rankings/largest); and #181 of 243 within California. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 16.34% and delinquency rate of 0.10%.
How does JACOM compare to other credit unions?
Five weighted metrics from NCUA filings produce JACOM's 71/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M 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 JACOM?
Membership eligibility for JACOM depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact JACOM directly for current membership requirements and application steps.
Is my money safe at JACOM?
Federal credit unions like JACOM 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. JACOM's net worth ratio of 16.34% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does JACOM offer compared to banks?
Credit unions like JACOM 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 JACOM 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.