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
- NW 93/100
- DELQ 10.9%
- ROA 0.02%
- ASSETS 0.90%
- MEM $82.5M
- RANK 6,289
- PHOTO #657/4,374
- BOOK CALCOM
- CHARTER 3551
Call Report peers
Jamestown Area Community in the assets neighbourhood
Jamestown Area Community's $82.5M assets sit next to CALCOM ($82.5M) 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.
Jamestown Area Community 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
93 Top 16% higher than 84% 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
Jamestown Area Community - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #3551: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Jamestown Area Community
Jamestown Area Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.8% from $82.5M (2025Q4) to $83.2M (2026Q1).
- Net-worth ratio shifted +0.34 pp (10.55% → 10.89%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 93.
- 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 |
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 - 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
Jamestown Area Community's nationwide photo peers by assets and by health score, excluding New York charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($82.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (93/100 here).
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
- Rates and health both vary by institution, not just by state -- see how New York credit unions compare overall before assuming this one is typical. New York 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 Jamestown Area Community financially healthy?
A 10.89% net worth ratio and a 0.02% delinquency rate feed into Jamestown Area Community's financial health score of 93/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #657 of 4,374; by total assets it ranks #1,990 of 4,374 nationally (same basis as /rankings/largest); and #102 of 272 within New York. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Jamestown Area Community compare to other credit unions?
On PlainCU's health composite, Jamestown Area Community lands at 93/100, compared to a peer group average for $50M–$100M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), 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 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?
Federal credit unions like Jamestown Area Community 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. Jamestown Area Community's net worth ratio of 10.89% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Jamestown Area Community offer compared to banks?
Credit unions like Jamestown Area Community 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 Jamestown Area Community 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.