Federal credit union · Houston, Texas · NCUA charter #14762
JSC
Health score 73/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 73
- Health / 100
- $2.66B
- Total assets
- 125,197
- Members
- 11.9%
- Net-worth ratio
JSC scores 73/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.66B; members 125,197; net-worth ratio 11.90%; health rank #3,408 of 4,374; healthier than 21st of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,408 of 4,374 health · 2025Q4JSC · health 73/100 · $2.66B · 2025Q4
- ROA 73/100
- ASSETS 11.9%
- MEM 1.18%
- RANK 0.12%
- PHOTO $2.66B
- BOOK 125,197
- CHARTER #3,408/4,374
- NCUSIF Oregon State
- CAMELS 14762
Call Report peers
JSC in the assets neighbourhood
JSC's $2.66B assets sit next to Oregon State ($2.66B) 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.
JSC 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
73 21st percentile higher than 21% 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
JSC - Share Insurance Coverage
Charter #14762'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.
Peer-gap read for JSC
- Largest favorable gap: Net Worth Ratio at 11.90% vs peer 11.18% (+0.72 pp).
- Largest lag: Loan-to-Share Ratio at 76.37% vs peer 83.90% (-7.53 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
JSC in Texas
- In Texas, health place is #298 of 386 on the same NCUA-ratio sort used nationally.
- Texas assets place: #13 of 386.
- Member book place in Texas: #18 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.
JSC: 2025Q4 → 2026Q1
JSC: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.5% from $2.66B (2025Q4) to $2.65B (2026Q1).
- Net-worth ratio shifted +0.18 pp (11.72% → 11.90%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
11.90% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 73/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 73.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 18.7 pts
- Return on Assets 9.2 pts
- Member Growth 0.4 pts
- Loan-to-Share Ratio 14.7 pts
JSC health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.90% | +0.72 pp |
| Delinquency Rate | 1.18% | +0.30 pp |
| Return on Assets | 0.12% | -0.39 pp |
| Member Growth | -4.79% | - |
| Loan-to-Share Ratio | 76.37% | -7.53 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
JSC quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.65B | - |
| 2025Q4 | $2.66B | 125,197 |
| 2024Q4 | $2.65B | 131,497 |
| 2023Q4 | $2.66B | 128,858 |
Credit Union Details
- Charter Number
- 14762
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- Over $500M
- State
- Texas
- City
- Houston
- Data Quarter
- 2025Q4
Branch Locations (22)
JSC operates 22 offices across 16 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Branch (Main Office) | Houston, TX |
| Alvin Branch | Alvin, TX |
| Cypress HEB Branch | Cypress, TX |
| Monument Branch | Deer Park, TX |
| Bay Colony Branch | Dickinson, TX |
| Friendswood Branch | Friendswood, TX |
| Friendswood North Branch | Friendswood, TX |
| Galveston Branch | Galveston, TX |
| Ellington Branch | Houston, TX |
| Park Place Branch | Houston, TX |
| Clear Lake HEB | Houston, TX |
| Katy HEB Branch | Katy, TX |
| La Porte Branch | La Porte, TX |
| League City Branch | League City, TX |
| Tuscan Lakes Branch | League City, TX |
| League City West Branch | League City, TX |
| Sienna Ranch | Missouri City, TX |
| Pasadena North Branch | Pasadena, TX |
| Pearland Branch | Pearland, TX |
| Seabrook Branch | Seabrook, TX |
| Sugar Land HEB Branch | Sugar Land, TX |
| Mainland Branch | Texas City, 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.
JSC nationwide neighbourhoods
Two NCUA Call Report peer sets for JSC, both outside Texas 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 ($2.66B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (73/100 here).
Using this data
- JSC ranks #3,408 of 4,374 nationally on financial health and #298 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Credit Union of Texas is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Credit Union of Texas
- 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 JSC financially healthy?
JSC scores 73/100 (Very Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,408 of 4,374; by total assets it ranks #191 of 4,374 nationally (same basis as /rankings/largest); and #13 of 386 within Texas. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 11.90% net worth ratio and a 1.18% delinquency rate.
How does JSC compare to other credit unions?
Five weighted metrics from NCUA filings produce JSC's 73/100 score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 JSC?
JSC 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 JSC directly for the exact boundaries and application steps.
Is my money safe at JSC?
Federal credit unions like JSC 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. JSC's net worth ratio of 11.90% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does JSC offer compared to banks?
Credit unions like JSC 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 JSC 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.