State credit union · Hoover, Alabama · NCUA charter #63834
Jefferson Credit Union
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $92.8M
- Total assets
- 8,248
- Members
- 10.0%
- Net-worth ratio
Jefferson Credit Union scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $92.8M; members 8,248; net-worth ratio 10.01%; health rank #1,692 of 4,374; healthier than 60th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,692 of 4,374 health · 2025Q4Jefferson Credit Union · health 87/100 · $92.8M · 2025Q4
Call Report peers
Jefferson Credit Union in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Jefferson Credit Union vs every NCUA-scored credit union
Jefferson Credit Union sits in the busiest band, 85-89, alongside 857 other credit unions.
87 Top 40% higher than 60% 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 Credit Union vs $50M–$100M peers
- Delinquency Rate leads the peer set - 0.74% here, 0.96% peer average (-0.22 pp).
- Largest lag: Net Worth Ratio at 10.01% vs peer 13.62% (-3.61 pp).
Alabama standing for Jefferson Credit Union
- Alabama health ordinal: #31 of 89.
- Assets rank #37 of 89 inside Alabama ($92.8M reported).
- Membership ranks #35 of 89 among Alabama CUs with a reported count (8,248 members).
- One place up in Alabama, Nucor Employees (#30) ties at 87/100; one place down, Auburn University (#32) ties at 87/100.
Jefferson Credit Union: 2025Q4 → 2026Q1
Jefferson Credit Union: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.8% from $92.8M (2025Q4) to $92.1M (2026Q1).
- Net-worth ratio shifted +0.26 pp (9.75% → 10.01%).
This credit union's 10.01% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 87/100 score is built
Jefferson Credit Union gives up 13 points in total. Return on Assets costs the most, 8.9 of its 15; Net Worth Ratio and Member Growth score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.6 pts
- Return on Assets 6.1 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 13.3 pts
Jefferson Credit Union health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.01% | -3.61 pp |
| Delinquency Rate | 0.74% | -0.22 pp |
| Return on Assets | 0.04% | -0.62 pp |
| Member Growth | 20.27% | - |
| Loan-to-Share Ratio | 62.26% | -0.34 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Jefferson Credit Union quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $92.1M | - |
| 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
Branch Locations (4)
Per its most recent NCUA branch filing, Jefferson Credit Union runs 4 offices in 3 different cities.
| Office | City |
|---|---|
| Hoover (Main Office) | Hoover, AL |
| Courthouse | Birmingham, AL |
| Avondale | Birmingham, AL |
| Hueytown | Hueytown, AL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Alabama
More federally-insured credit unions based in Alabama, ordered by peer group match and asset size.
Other-state peers near Jefferson Credit Union
Similar total assets
Using this data
- Jefferson Credit Union ranks #1,692 of 4,374 nationally on financial health and #31 of 89 in AL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Four Seasons is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Four Seasons
Frequently Asked Questions
Is Jefferson Credit Union financially healthy?
On its 2025Q4 NCUA 5300 filing, Jefferson Credit Union scores 87/100 (Excellent), with a 10.01% net worth ratio and 0.74% of loans delinquent. It ranks #1,692 of 4,374 nationally on health and #31 of 89 in Alabama.
How does Jefferson Credit Union compare to other credit unions?
Jefferson Credit Union scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is delinquency rate (0.74% vs 0.96%). Its widest shortfall is net worth ratio (10.01% vs 13.62%).
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?
Jefferson Credit Union is a state-chartered 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. Jefferson Credit Union's net worth ratio of 10.01% 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.