TellerScore

Headquartered in Jackson, Mississippi, Jackson Area Federal Credit Union is a federal credit union with $60.9M in total assets and $136.2M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1953.

Jackson Area Federal Credit Union has a TellerScore of 38 out of 100 (low) based on Q2 2026 data — higher than only 3% of its 2,479 credit unions with under $100 million in assets. Among 55 credit unions headquartered in Mississippi, it ranks 52nd. Funding & liquidity contributes the most (100/100, 31% loans-to-deposits, 3% uninsured); earnings contributes the least (0/100, -338.49%).

TellerScore · Q2 2026

Scorecard

Capital cushion0/100
Net worth ratio: -145.36%
Loan quality50/100
Loans 60+ days delinquent ÷ total loans: 1.49%
Earnings0/100
Return on assets (annualized): -338.49%
Funding & liquidity100/100
Loans ÷ shares: 30.9% · 3.4% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): -0.77%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 21 points (59 → 38), mostly because the capital cushion component weakened by 47 points.

TellerScore
385163Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202461
Q3 202463
Q4 202459
Q1 202558
Q2 202559
Q3 202560
Q4 202556
Q1 202640
Q2 202638
Net worth ratio
-145.36%-67.83%9.70%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.43%
Q3 20249.56%
Q4 20249.64%
Q1 20259.51%
Q2 20259.70%
Q3 20259.20%
Q4 20259.06%
Q1 2026-107.94%
Q2 2026-145.36%
Delinquent loans (60+ days)
1.04%1.45%1.86%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.13%
Q3 20241.04%
Q4 20241.41%
Q1 20251.39%
Q2 20251.48%
Q3 20251.29%
Q4 20251.86%
Q1 20261.19%
Q2 20261.49%
Return on assets
-514.26%-256.75%0.76%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.55%
Q3 20240.57%
Q4 20240.53%
Q1 20250.38%
Q2 20250.57%
Q3 20250.57%
Q4 20250.76%
Q1 2026-514.26%
Q2 2026-338.49%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202638$60.9M-145.36%1.49%-338.49%30.9%
Q1 202640$71.4M-107.94%1.19%-514.26%29.5%
Q4 202556$162.4M9.06%1.86%0.76%30.6%
Q3 202560$153.7M9.20%1.29%0.57%33.7%
Q2 202559$143.2M9.70%1.48%0.57%35.6%
Q1 202558$143.2M9.51%1.39%0.38%35.0%
Q4 202459$139.9M9.64%1.41%0.53%36.7%
Q3 202463$139.5M9.56%1.04%0.57%36.6%
Q2 202461$139.1M9.43%1.13%0.55%37.1%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio-145.36%
0th
Problem loans1.49%
29th
Net charge-offs1.56%
8th
Return on assets-338.49%
0th
Loans to deposits30.9%
88th
Uninsured deposits3.4%
33rd
Loan-loss reserves0.00%
37th
Texas ratio-0.8%
100th

Similar-size credit unions in Mississippi

InstitutionScoreAssetsCapitalProblem loansCompare
Eagle Express Federal Credit UnionCredit union Jackson, MS73 out of 100, Strong$66.8M20.3%1.13%vs
Meridian Mutual Federal Credit UnionCredit union Meridian, MS71 out of 100, Strong$71.2M12.4%1.19%vs
Mississippi National Guard Federal Credit UnionCredit union Jackson, MS58 out of 100, Moderate$43.5M8.8%1.53%vs
1st Mississippi Federal Credit UnionCredit union Meridian, MS79 out of 100, Strong$82.8M28.5%0.79%vs
Brightview Federal Credit UnionCredit union Ridgeland, MS78 out of 100, Strong$37.6M16.3%0.75%vs
Camp Shelby Federal Credit UnionCredit union Hattiesburg, MS84 out of 100, Strong$31.8M23.9%0.83%vs

Deposit insurance

Is my money safe at Jackson Area Federal Credit Union?

Yes. Jackson Area Federal Credit Union is a federally insured credit union (NCUA charter #8445). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 3.4% of shares and deposits ($4.6M) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is -145.36%, below the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Jackson Area Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Jackson Area Federal Credit Union
Type
Federal credit union
NCUA charter #
8445
RSSD ID
594880
Primary regulator
NCUA
Established
1953
Headquarters
PO Box 1403, Jackson, MS 39215
Employees
24

Quick answers

Jackson Area Federal Credit Union: common questions

Is Jackson Area Federal Credit Union NCUA insured?

Yes. Jackson Area Federal Credit Union is a federally insured credit union (NCUA charter #8445). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Jackson Area Federal Credit Union's TellerScore?

38 out of 100 (Low), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Jackson Area Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Jackson

InstitutionScoreAssetsCapitalProblem loansCompare
Mississippi Public Employees Federal Credit UnionCredit union Jackson, MS97 out of 100, Very strong$29.2M18.1%0.10%vs
FSNB, National AssociationBank Lawton, OK96 out of 100, Very strong$478.3M17.5%0.36%vs
Merchants and Planters BankBank Raymond, MS91 out of 100, Very strong$199.0M18.2%0.00%vs
Magnolia Federal Credit UnionCredit union Jackson, MS87 out of 100, Very strong$185.6M23.4%0.55%vs
Ecm Federal Credit UnionCredit union Ridgeland, MS87 out of 100, Very strong$28.9M14.9%0.66%vs
Members Exchange Federal Credit UnionCredit union Jackson, MS87 out of 100, Very strong$143.6M21.2%0.37%vs