TellerScore

Jefferson Community Federal Credit Union (NCUA charter #19319) is based in Madison, Indiana. Its Q2 2026 call report shows $18.0M in total assets and $16.0M in member shares and deposits and 2 offices.

Jefferson Community Federal Credit Union has a TellerScore of 79 out of 100 (strong) based on Q2 2026 data — higher than 62% of its 2,479 credit unions with under $100 million in assets. Among 121 credit unions headquartered in Indiana, it ranks 38th. Problem-loan coverage contributes the most (99/100, 0.3%); capital cushion contributes the least (57/100, 10.69%).

TellerScore · Q2 2026

Scorecard

Capital cushion57/100
Net worth ratio: 10.69%
Loan quality98/100
Loans 60+ days delinquent ÷ total loans: 0.05%
Earnings71/100
Return on assets (annualized): 1.27%
Funding & liquidity87/100
Loans ÷ shares: 73.1% · 1.8% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.29%

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 rose 5 points (74 → 79), mostly because the earnings component improved by 13 points.

TellerScore
657381Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202475
Q3 202473
Q4 202481
Q1 202565
Q2 202574
Q3 202575
Q4 202575
Q1 202679
Q2 202679
Net worth ratio
7.00%8.91%10.83%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.36%
Q3 202410.03%
Q4 202410.61%
Q1 202510.11%
Q2 202510.52%
Q3 202510.37%
Q4 202510.83%
Q1 202610.23%
Q2 202610.69%
Delinquent loans (60+ days)
0.00%0.11%0.21%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.21%
Q3 20240.02%
Q4 20240.00%
Q1 20250.00%
Q2 20250.20%
Q3 20250.04%
Q4 20250.09%
Q1 20260.04%
Q2 20260.05%
Return on assets
-1.34%-0.00%1.34%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.17%
Q3 20240.58%
Q4 20241.27%
Q1 2025-1.34%
Q2 20250.94%
Q3 20250.90%
Q4 20250.93%
Q1 20261.34%
Q2 20261.27%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202679$18.0M10.69%0.05%1.27%73.1%
Q1 202679$18.3M10.23%0.04%1.34%71.7%
Q4 202575$16.7M10.83%0.09%0.93%78.0%
Q3 202575$17.0M10.37%0.04%0.90%74.9%
Q2 202574$16.4M10.52%0.20%0.94%72.0%
Q1 202565$16.8M10.11%0.00%-1.34%63.6%
Q4 202481$15.6M10.61%0.00%1.27%61.5%
Q3 202473$16.1M10.03%0.02%0.58%58.5%
Q2 202475$16.7M9.36%0.21%1.17%54.8%

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 ratio10.69%
21st
Problem loans0.05%
84th
Net charge-offs0.00%
77th
Return on assets1.27%
78th
Loans to deposits73.1%
28th
Uninsured deposits1.8%
46th
Loan-loss reserves0.00%
37th
Texas ratio0.3%
79th

Similar-size credit unions in Indiana

InstitutionScoreAssetsCapitalProblem loansCompare
Power One Federal Credit UnionCredit union Fort Wayne, IN59 out of 100, Moderate$19.4M13.0%1.77%vs
Clifty Creek Employees Federal Credit UnionCredit union Madison, IN79 out of 100, Strong$16.3M16.9%0.00%vs
Tippecanoe Federal Credit UnionCredit union Lafayette, IN75 out of 100, Strong$15.4M12.9%0.64%vs
Diversified General Federal Credit UnionCredit union Logansport, IN64 out of 100, Moderate$20.9M8.2%0.23%vs
Profinance Federal Credit UnionCredit union Merrillville, IN59 out of 100, Moderate$15.0M20.0%3.79%vs
Community Spirit Credit UnionCredit union Lawrenceburg, IN55 out of 100, Moderate$21.5M10.4%2.03%vs

Deposit insurance

Is my money safe at Jefferson Community Federal Credit Union?

Yes. Jefferson Community Federal Credit Union is a federally insured credit union (NCUA charter #19319). 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 1.8% of shares and deposits ($288K) 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 10.69%, above 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

Jefferson Community Federal Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Jefferson Community Federal Credit Union
Type
Federal credit union
NCUA charter #
19319
RSSD ID
178589
Primary regulator
NCUA
Established
1969
Headquarters
PO Box 129, Madison, IN 47250
Employees
6

Quick answers

Jefferson Community Federal Credit Union: common questions

Is Jefferson Community Federal Credit Union NCUA insured?

Yes. Jefferson Community Federal Credit Union is a federally insured credit union (NCUA charter #19319). 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 Jefferson Community Federal Credit Union's TellerScore?

79 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 Jefferson Community Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Madison

InstitutionScoreAssetsCapitalProblem loansCompare
Business and Industrial Federal Credit UnionCredit union Columbus, IN91 out of 100, Very strong$44.9M18.0%0.24%vs
Carrollton Federal BankBank Carrollton, KY87 out of 100, Very strong$43.6M15.7%0.00%vs
Clifty Creek Employees Federal Credit UnionCredit union Madison, IN79 out of 100, Strong$16.3M16.9%0.00%vs
Bedford Loan & Deposit BankBank Bedford, KY76 out of 100, Strong$121.8M14.6%1.27%vs
German American BankBank Jasper, IN75 out of 100, Strong$8.4B11.2%0.45%vs
Civista BankBank Sandusky, OH75 out of 100, Strong$4.3B12.7%0.92%vs