State credit union · Hoover, Alabama · NCUA charter #63834
Jefferson Credit Union
Health score 86/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $92.8M
- Total assets
- 8,248
- Members
- 9.8%
- Net-worth ratio
Jefferson Credit Union - Share Insurance Coverage
Charter #63834'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.
Jefferson Credit Union - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)98
- Asset quality (delinquency)90
- Earnings (ROA)41
- Member growth100
- Liquidity (loan-to-share)88
Weighted composite: 86/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 9.75% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.75% | 30% |
| Delinquency Rate | 0.74% | 25% |
| Return on Assets | 0.04% | 15% |
| Member Growth | 20.27% | 15% |
| Loan-to-Share Ratio | 62.26% | 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 | $92.8M | 8,248 |
| 2024Q4 | $83.4M | 6,858 |
| 2023Q4 | $74.2M | 6,945 |
Credit Union Details
- Charter Number
- 63834
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Alabama
- City
- Hoover
- Data Quarter
- 2025Q4
What This Data Says About Jefferson Credit Union
The five-factor composite scores Jefferson Credit Union at 86/100 (Excellent), reflecting a net worth ratio of 9.75% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in Hoover, Alabama, reports 8,248 members, $92.8M in total assets, and $51.5M in outstanding loans as of Q4 2025 under charter #63834 (peer group $50M–$100M, a cohort of 584 similarly-sized institutions).
0.74% 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 tighter than peers. Deposit deployment is captured by the 62.26% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.04% on net income of $33K 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 20.27%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Alabama
More federally-insured credit unions based in Alabama, ordered by peer group match and asset size.
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 Jefferson Credit Union financially healthy?
A 9.75% net worth ratio and a 0.74% delinquency rate feed into Jefferson Credit Union's financial health score of 86/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Jefferson Credit Union compare to other credit unions?
86/100 is Jefferson Credit Union's score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Credit Union?
Membership eligibility for Jefferson Credit Union depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Jefferson Credit Union directly for current membership requirements and application steps.
Is my money safe at Jefferson Credit Union?
Federal credit unions like Jefferson Credit Union 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 Credit Union's net worth ratio of 9.75% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Jefferson Credit Union offer compared to banks?
Credit unions like Jefferson Credit Union 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 Credit Union 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.