Federal credit union · Madison, Indiana · NCUA charter #19319
Jefferson Community
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $16.7M
- Total assets
- 2,188
- Members
- 10.2%
- Net-worth ratio
Jefferson Community scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $16.7M; members 2,188; net-worth ratio 10.23%; health rank #833 of 4,374; healthier than 80th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#833 of 4,374 health · 2025Q4Jefferson Community · health 92/100 · $16.7M · 2025Q4
- MEM 92/100
- RANK 10.2%
- PHOTO 0.09%
- BOOK 1.19%
- CHARTER $16.7M
- NCUSIF 2,188
- CAMELS #833/4,374
- HEALTH Palace City
- NW 19319
Call Report peers
Jefferson Community in the assets neighbourhood
Jefferson Community's $16.7M assets sit next to Palace City ($16.7M) 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.
Jefferson 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
92 Top 20% higher than 80% 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
Jefferson Community - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #19319: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Jefferson Community: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 78.04% here, 59.80% peer average (+18.24 pp).
- Net Worth Ratio trails the peer set - 10.23% here, 14.86% peer average (-4.63 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Jefferson Community sits in Indiana
- Indiana health ordinal: #20 of 124.
- Assets rank #98 of 124 inside Indiana ($16.7M reported).
- Membership ranks #87 of 124 among Indiana CUs with a reported count (2,188 members).
In-state ordinals use the live credit_unions table for IN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Jefferson Community's 5300 filing moved
Jefferson Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +9.5% from $16.7M (2025Q4) to $18.3M (2026Q1).
- Net-worth ratio shifted -0.60 pp (10.83% → 10.23%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
10.23% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 92/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 92.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 7.0 pts
- Loan-to-Share Ratio 15.0 pts
Call Report ratios for Jefferson Community
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.23% | -4.63 pp |
| Delinquency Rate | 0.09% | -1.05 pp |
| Return on Assets | 1.19% | +0.48 pp |
| Member Growth | -1.08% | - |
| Loan-to-Share Ratio | 78.04% | +18.24 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 - Jefferson Community
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $18.3M | - |
| 2025Q4 | $16.7M | 2,188 |
| 2024Q4 | $15.6M | 2,212 |
| 2023Q4 | $17.1M | 2,105 |
Credit Union Details
- Charter Number
- 19319
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Indiana
- City
- Madison
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Jefferson Community.
| Office | City |
|---|---|
| Jefferson Community FCU (Main Office) | Madison, IN |
| Virtual Branch | Madison, IN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Indiana
Other federally-insured credit unions in Indiana, closest first by peer group and asset size.
Cross-state Call Report peers for Jefferson Community
Two NCUA Call Report peer sets for Jefferson Community, both outside Indiana so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($16.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (92/100 here).
Using this data
- Jefferson Community ranks #833 of 4,374 nationally on financial health and #20 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Clifty Creek Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Clifty Creek Employees
- Rates and health both vary by institution, not just by state -- see how Indiana credit unions compare overall before assuming this one is typical. Indiana 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 Jefferson Community financially healthy?
Jefferson Community has a financial health score of 92/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #833 of 4,374; by total assets it ranks #3,255 of 4,374 nationally (same basis as /rankings/largest); and #98 of 124 within Indiana. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 10.23% and delinquency rate of 0.09%.
How does Jefferson Community compare to other credit unions?
On PlainCU's health composite, Jefferson Community lands at 92/100, 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 Jefferson Community?
Jefferson 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 Jefferson Community directly for the exact boundaries and application steps.
Is my money safe at Jefferson Community?
Federal credit unions like Jefferson 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. Jefferson Community's net worth ratio of 10.23% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Jefferson Community offer compared to banks?
Credit unions like Jefferson 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 Jefferson 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.