State credit union · Salt Lake City, Utah · NCUA charter #67005
National J. a. C. L.
Health score 72/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 72
- Health / 100
- $38.9M
- Total assets
- 3,087
- Members
- 9.5%
- Net-worth ratio
National J. a. C. L. scores 72/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $38.9M; members 3,087; net-worth ratio 9.53%; health rank #3,488 of 4,374; healthier than 20th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,488 of 4,374 health · 2025Q4National J. a. C. L. · health 72/100 · $38.9M · 2025Q4
- NCUSIF 72/100
- CAMELS 9.5%
- HEALTH 1.24%
- NW -0.15%
- DELQ $38.9M
- ROA 3,087
- ASSETS #3,488/4,374
- MEM Golden Valley
- RANK 67005
Call Report peers
National J. a. C. L. in the assets neighbourhood
National J. a. C. L.'s $38.9M assets sit next to Golden Valley ($38.9M) 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.
National J. a. C. L. 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
72 20th percentile higher than 20% 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
National J. a. C. L. - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #67005. See our deposit-insurance coverage note.
Where National J. a. C. L. diverges from peer averages
- Largest lag: Net Worth Ratio at 9.53% vs peer 14.86% (-5.33 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
National J. a. C. L.: in-state Call Report ranks
- In Utah, health place is #45 of 53 on the same NCUA-ratio sort used nationally.
- Utah assets place: #34 of 53.
- Utah membership ordinal: #31 of 53.
In-state ordinals use the live credit_unions table for UT only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
National J. a. C. L.: 2025Q4 → 2026Q1
National J. a. C. L.: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.0% from $38.9M (2025Q4) to $39.2M (2026Q1).
- Net-worth ratio shifted -0.12 pp (9.65% → 9.53%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.53%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 72/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 72.
- Net Worth Ratio 28.8 pts
- Delinquency Rate 18.2 pts
- Return on Assets 3.1 pts
- Member Growth 9.0 pts
- Loan-to-Share Ratio 12.9 pts
Call Report ratios for National J. a. C. L.
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.53% | -5.33 pp |
| Delinquency Rate | 1.24% | +0.09 pp |
| Return on Assets | -0.15% | -0.86 pp |
| Member Growth | 0.03% | - |
| Loan-to-Share Ratio | 59.40% | -0.40 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $39.2M | - |
| 2025Q4 | $38.9M | 3,087 |
| 2024Q4 | $39.7M | 3,086 |
| 2023Q4 | $36.3M | 3,117 |
Credit Union Details
- Charter Number
- 67005
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Utah
- City
- Salt Lake City
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for National J. a. C. L., spread across 2 cities.
| Office | City |
|---|---|
| National JACL Credit Union (Main Office) | Millcreek, UT |
| Jordan Credit Union | South Jordan, UT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Utah
Other federally-insured credit unions in Utah, closest first by peer group and asset size.
National J. a. C. L. nationwide neighbourhoods
National J. a. C. L.'s nationwide photo peers by assets and by health score, excluding Utah charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($38.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (72/100 here).
Using this data
- National J. a. C. L. ranks #3,488 of 4,374 nationally on financial health and #45 of 53 in UT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Lu 354 I B E W is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Lu 354 I B E W
- Rates and health both vary by institution, not just by state -- see how Utah credit unions compare overall before assuming this one is typical. Utah 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 National J. a. C. L. financially healthy?
National J. a. C. L. has a financial health score of 72/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,488 of 4,374; by total assets it ranks #2,630 of 4,374 nationally (same basis as /rankings/largest); and #34 of 53 within Utah. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 9.53% and delinquency rate of 1.24%.
How does National J. a. C. L. compare to other credit unions?
PlainCU's health composite puts National J. a. C. L. at 72/100, compared to a peer group average for $10M–$50M 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 National J. a. C. L.?
Membership eligibility for National J. a. C. L. depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact National J. a. C. L. directly for current membership requirements and application steps.
Is my money safe at National J. a. C. L.?
Federal credit unions like National J. a. C. L. 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. National J. a. C. L.'s net worth ratio of 9.53% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does National J. a. C. L. offer compared to banks?
Credit unions like National J. a. C. L. 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 National J. a. C. L. 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.