TellerScore

Jackson County Federal Credit Union is a federal credit union headquartered in Edna, Texas, in business for about 71 years. At the end of Q2 2026 it reported $9.0M in total assets and $8.1M in member shares and deposits, with 1 office.

Based on its Q2 2026 filing, Jackson County Federal Credit Union scores 72/100, which we describe as strong. That is higher than only 44% of 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 199th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is capital cushion (47/100; 9.68%).

TellerScore · Q2 2026

Scorecard

Capital cushion47/100
Net worth ratio: 9.68%
Loan quality100/100
Loans 60+ days delinquent ÷ total loans: 0.00%
Earnings50/100
Return on assets (annualized): 0.75%
Funding & liquidity88/100
Loans ÷ shares: 71.8% · 1.2% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.00%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (73 → 72).

TellerScore
667073Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202467
Q4 202469
Q1 202571
Q2 202573
Q3 202573
Q4 202572
Q1 202670
Q2 202672
Net worth ratio
7.00%8.34%9.68%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20247.91%
Q3 20248.24%
Q4 20248.74%
Q1 20259.03%
Q2 20259.26%
Q3 20259.08%
Q4 20259.36%
Q1 20269.29%
Q2 20269.68%
Delinquent loans (60+ days)
0.00%0.03%0.07%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.07%
Q1 20260.07%
Q2 20260.00%
Return on assets
0.64%0.86%1.09%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.64%
Q3 20240.72%
Q4 20240.79%
Q1 20250.95%
Q2 20251.09%
Q3 20251.06%
Q4 20250.98%
Q1 20260.66%
Q2 20260.75%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202672$9.0M9.68%0.00%0.75%71.8%
Q1 202670$9.2M9.29%0.07%0.66%70.6%
Q4 202572$9.0M9.36%0.07%0.98%74.4%
Q3 202573$9.1M9.08%0.00%1.06%75.2%
Q2 202573$8.6M9.26%0.00%1.09%79.7%
Q1 202571$8.6M9.03%0.00%0.95%78.7%
Q4 202469$8.6M8.74%0.00%0.79%78.4%
Q3 202467$8.9M8.24%0.00%0.72%77.9%
Q2 202466$9.0M7.91%0.00%0.64%74.4%

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 ratio9.68%
14th
Problem loans0.00%
94th
Net charge-offs0.14%
53rd
Return on assets0.75%
56th
Loans to deposits71.8%
30th
Uninsured deposits1.2%
52nd
Loan-loss reserves0.00%
37th
Texas ratio0.0%
93rd

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Port Terminal Federal Credit UnionCredit union Houston, TX57 out of 100, Moderate$9.1M34.6%3.13%vs
E M O T Federal Credit UnionCredit union Abilene, TX78 out of 100, Strong$9.2M39.7%1.72%vs
Alamo City Credit UnionCredit union San Antonio, TX22 out of 100, Low$8.8M5.2%3.04%vs
Local 20 Ibew Federal Credit UnionCredit union Grand Prairie, TX23 out of 100, Low$9.4M6.0%3.62%vs
Victoria Federal Credit UnionCredit union Victoria, TX81 out of 100, Strong$9.4M12.8%0.04%vs
Sweetex Credit UnionCredit union Longview, TX94 out of 100, Very strong$9.4M39.4%0.00%vs

Deposit insurance

Is my money safe at Jackson County Federal Credit Union?

Yes. Jackson County Federal Credit Union is a federally insured credit union (NCUA charter #10324). 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 1.2% of shares and deposits ($95K) 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 9.68%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Jackson County Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Jackson County Federal Credit Union
Type
Federal credit union
NCUA charter #
10324
RSSD ID
732682
Primary regulator
NCUA
Established
1955
Headquarters
309 N Allen St, Edna, TX 77957
Employees
5

Quick answers

Jackson County Federal Credit Union: common questions

Is Jackson County Federal Credit Union NCUA insured?

Yes. Jackson County Federal Credit Union is a federally insured credit union (NCUA charter #10324). 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 County Federal Credit Union's TellerScore?

72 out of 100 (Strong), 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 County Federal Credit Union have?

1 office as of the latest NCUA data.