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.
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NCUA 5300 Call Report Masthead
#3,488 of 4,374 health · 2025Q4National J. a. C. L. · health 72/100 · $38.9M · 2025Q4
Call Report peers
National J. a. C. L. in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); National J. a. C. L. sits in 70-74 with 317 others.
72 20th percentile higher than 20% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Utah, ASCENT (#44) scores 74/100, 2 points higher; one place down, Horizon Utah (#46) scores 70/100, 2 points lower.
National J. a. C. L.: 2025Q4 → 2026Q1
National J. a. C. L.: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.0% from $38.9M (2025Q4) to $39.2M (2026Q1).
- Net-worth ratio shifted -0.12 pp (9.65% → 9.53%).
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
National J. a. C. L. gives up 28 points in total. Return on Assets costs the most, 11.9 of its 15; Net Worth Ratio loses the least, 1.2.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is National J. a. C. L. financially healthy?
On its 2025Q4 NCUA 5300 filing, National J. a. C. L. scores 72/100 (Very Good), with a 9.53% net worth ratio and 1.24% of loans delinquent. It ranks #3,488 of 4,374 nationally on health and #45 of 53 in Utah.
How does National J. a. C. L. compare to other credit unions?
National J. a. C. L. scores 72/100, higher than 20% of the 4,374 scored credit unions. Its widest shortfall is net worth ratio (9.53% vs 14.86%).
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.?
National J. a. C. L. 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. National J. a. C. L.'s net worth ratio of 9.53% 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.