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
- DELQ 89/100
- ROA 11.8%
- ASSETS 0.00%
- MEM 0.73%
- RANK $10.7M
- PHOTO 612
- BOOK #1,274/4,374
- CHARTER United Members
- NCUSIF 20581
Call Report peers
J.C.T. in the assets neighbourhood
J.C.T.'s $10.7M assets sit next to United Members ($10.6M) 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.
J.C.T. 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
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. - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #20581 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
J.C.T.: 2025Q4 → 2026Q1
J.C.T.: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.4% from $10.7M (2025Q4) to $10.7M (2026Q1).
- Net-worth ratio shifted +0.07 pp (11.71% → 11.78%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Cross-state asset and health neighbours for J.C.T. - kept outside Texas; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($10.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Texas credit unions compare overall before assuming this one is typical. Texas 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 J.C.T. financially healthy?
Yes/no aside, the number is 89/100 (Excellent) - J.C.T.'s financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,274 of 4,374; by total assets it ranks #3,531 of 4,374 nationally (same basis as /rankings/largest); and #303 of 386 within Texas. Above 80 reads excellent, below 50 warrants closer monitoring; a 11.78% net worth ratio and 0.00% delinquency rate are the key drivers.
How does J.C.T. compare to other credit unions?
On PlainCU's health composite, J.C.T. lands at 89/100, compared to a peer group average for $10M–$50M 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 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.?
Federal credit unions like J.C.T. 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. J.C.T.'s net worth ratio of 11.78% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does J.C.T. offer compared to banks?
Credit unions like J.C.T. 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 J.C.T. 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.