Federal credit union · Edna, Texas · NCUA charter #20581
J.C.T.
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $10.7M
- Total assets
- 612
- Members
- 11.8%
- Net-worth ratio
J.C.T. scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $10.7M; members 612; net-worth ratio 11.78%; health rank #1,274 of 4,374; healthier than 69th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,274 of 4,374 health · 2025Q4J.C.T. · health 89/100 · $10.7M · 2025Q4
Call Report peers
J.C.T. in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
J.C.T. vs every NCUA-scored credit union
J.C.T. sits in the busiest band, 85-89, alongside 857 other credit unions.
89 Top 31% higher than 69% 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
J.C.T. vs $10M–$50M peers
- Largest favorable gap: Delinquency Rate at 0.00% vs peer 1.15% (-1.15 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -12.55 pp (47.25% vs 59.80%).
Texas standing for J.C.T.
- Health composite ranks #118 of 386 among scored Texas credit unions.
- Texas assets place: #303 of 386.
- Texas membership ordinal: #355 of 386.
- One place up in Texas, ALLIED (#117) ties at 89/100; one place down, Concho Educators (#119) ties at 89/100.
J.C.T.: 2025Q4 → 2026Q1
J.C.T.: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.4% from $10.7M (2025Q4) to $10.7M (2026Q1).
- Net-worth ratio shifted +0.07 pp (11.71% → 11.78%).
At 11.78%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 89/100 score is built
J.C.T. gives up 11 points in total. Member Growth costs the most, 6 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 9.0 pts
- Loan-to-Share Ratio 10.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.78% | -3.08 pp |
| Delinquency Rate | 0.00% | -1.15 pp |
| Return on Assets | 0.73% | +0.02 pp |
| Member Growth | 0.00% | - |
| Loan-to-Share Ratio | 47.25% | -12.55 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - J.C.T.
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $10.7M | - |
| 2025Q4 | $10.7M | 612 |
| 2024Q4 | $10.6M | 612 |
| 2023Q4 | $10.4M | 619 |
Credit Union Details
- Charter Number
- 20581
- Type
- Federal
- Field of Membership
- Single Common Bond
- Peer Group
- $10M–$50M
- State
- Texas
- City
- Edna
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for J.C.T..
| Office | City |
|---|---|
| Office (Main Office) | Edna, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
Other federally-insured credit unions in Texas, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Using this data
- J.C.T. ranks #1,274 of 4,374 nationally on financial health and #118 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Mount Olive Baptist Church is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Mount Olive Baptist Church
Frequently Asked Questions
Is J.C.T. financially healthy?
On its 2025Q4 NCUA 5300 filing, J.C.T. scores 89/100 (Excellent), with a 11.78% net worth ratio and 0.00% of loans delinquent. It ranks #1,274 of 4,374 nationally on health and #118 of 386 in Texas.
How does J.C.T. compare to other credit unions?
J.C.T. scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.00% vs 1.15%). Its widest shortfall is loan-to-share ratio (47.25% vs 59.80%).
How can I join J.C.T.?
J.C.T. is chartered around a single common bond (Single Common Bond), membership is generally limited to employees of a specific employer or a defined occupational group and their immediate family. Contact J.C.T. directly to confirm eligibility.
Is my money safe at J.C.T.?
J.C.T. 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. J.C.T.'s net worth ratio of 11.78% 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.