Federal credit union · Holland, Ohio · NCUA charter #2918
Jeep Country
Health score 44/100 (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 44
- Health / 100
- $76.6M
- Total assets
- 14,783
- Members
- 14.4%
- Net-worth ratio
Jeep Country - Share Insurance Coverage
Charter #2918's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Jeep Country - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)0
- Earnings (ROA)0
- Member growth20
- Liquidity (loan-to-share)73
Weighted composite: 44/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 14.36%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 14.36% | 30% |
| Delinquency Rate | 4.88% | 25% |
| Return on Assets | -1.28% | 15% |
| Member Growth | -3.33% | 15% |
| Loan-to-Share Ratio | 51.73% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $76.6M | 14,783 |
| 2024Q4 | $84.7M | 15,293 |
| 2023Q4 | $82.4M | 15,640 |
Credit Union Details
- Charter Number
- 2918
- Type
- Federal
- Field of Membership
- Select Employee Group
- Peer Group
- $50M–$100M
- State
- Ohio
- City
- Holland
- Data Quarter
- 2025Q4
What This Data Says About Jeep Country
Headquartered in Holland, Ohio, Jeep Country is a federal credit union with 14,783 members, $76.6M in total assets, and $34.3M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 44/100 (Below Average), driven in part by a net worth ratio of 14.36% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #2918 and reports within peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
4.88% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running looser than peers. Deposit deployment is captured by the 51.73% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at -1.28% on net income of $-977334 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -3.33%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Select Employee Group); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Ohio
A look at other Ohio credit unions, ranked by how closely their peer group and asset size match this one.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Jeep Country financially healthy?
Yes/no aside, the number is 44/100 (Below Average) - Jeep Country's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 14.36% net worth ratio and 4.88% delinquency rate are the key drivers.
How does Jeep Country compare to other credit unions?
PlainCU's health composite puts Jeep Country at 44/100, compared to a peer group average for $50M–$100M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Jeep Country?
Jeep Country serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Jeep Country directly for the current list of qualifying groups.
Is my money safe at Jeep Country?
Federal credit unions like Jeep Country 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. Jeep Country's net worth ratio of 14.36% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Jeep Country offer compared to banks?
Credit unions like Jeep Country 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 Jeep Country directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.