Federal credit union · Jamestown, New York · NCUA charter #3551
Jamestown Area Community
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $82.5M
- Total assets
- 6,289
- Members
- 10.9%
- Net-worth ratio
Jamestown Area Community scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $82.5M; members 6,289; net-worth ratio 10.89%; health rank #657 of 4,374; healthier than 84th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#657 of 4,374 health · 2025Q4Jamestown Area Community · health 93/100 · $82.5M · 2025Q4
Call Report peers
Jamestown Area Community in the assets neighbourhood
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Jamestown Area Community vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Jamestown Area Community sits in 90-94 with 747 others.
93 Top 16% higher than 84% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Jamestown Area Community vs $50M–$100M peers
- Largest favorable gap: Loan-to-Share Ratio at 64.74% vs peer 62.60% (+2.14 pp).
- Widest shortfall vs peers is Net Worth Ratio: -2.73 pp (10.89% vs 13.62%).
New York standing for Jamestown Area Community
- In New York, health place is #32 of 272 on the same NCUA-ratio sort used nationally.
- By total assets, Jamestown Area Community is #102 of 272 in New York.
- Member book place in New York: #99 of 272.
- One place up in New York, High Point (#31) ties at 93/100; one place down, EMPOWER (#33) ties at 93/100.
Quarter path for Jamestown Area Community
Jamestown Area Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.8% from $82.5M (2025Q4) to $83.2M (2026Q1).
- Net-worth ratio shifted +0.34 pp (10.55% → 10.89%).
This credit union's 10.89% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 93/100 score is built
Jamestown Area Community gives up 7 points in total. Member Growth costs the most, 6.2 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 8.8 pts
- Loan-to-Share Ratio 14.2 pts
Jamestown Area Community health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.89% | -2.73 pp |
| Delinquency Rate | 0.02% | -0.95 pp |
| Return on Assets | 0.90% | +0.25 pp |
| Member Growth | -0.13% | - |
| Loan-to-Share Ratio | 64.74% | +2.14 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Call Report history - Jamestown Area Community
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $83.2M | - |
| 2025Q4 | $82.5M | 6,289 |
| 2024Q4 | $79.5M | 6,297 |
| 2023Q4 | $78.8M | 6,234 |
Credit Union Details
- Charter Number
- 3551
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- New York
- City
- Jamestown
- Data Quarter
- 2025Q4
Branch Locations (6)
The NCUA branch filing lists 6 physical offices for Jamestown Area Community, spread across 5 cities.
| Office | City |
|---|---|
| Jamestown Area Community FCU (Main Office) | Jamestown, NY |
| JACFCU Frewsburg | Frewsburg, NY |
| JACFCU-Drive Thru | Jamestown, NY |
| JACFCU_ Lakewood | Lakewood, NY |
| JACFCU - Panama | Panama, NY |
| JACFCU-Randolph | Randolph, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
Other federally-insured credit unions in New York, closest first by peer group and asset size.
Cross-state Call Report peers for Jamestown Area Community
Using this data
- Jamestown Area Community ranks #657 of 4,374 nationally on financial health and #32 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Great Meadow is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Great Meadow
Frequently Asked Questions
Is Jamestown Area Community financially healthy?
Jamestown Area Community has a financial health score of 93/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #657 of 4,374 nationally on health and #32 of 272 in New York. Its net worth ratio is 10.89% and its delinquency rate 0.02%.
How does Jamestown Area Community compare to other credit unions?
Jamestown Area Community scores 93/100, higher than 84% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (64.74% vs 62.60%). Its widest shortfall is net worth ratio (10.89% vs 13.62%).
How can I join Jamestown Area Community?
Jamestown Area Community 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 Jamestown Area Community directly for the exact boundaries and application steps.
Is my money safe at Jamestown Area Community?
Jamestown Area Community 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. Jamestown Area Community's net worth ratio of 10.89% 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.