TellerScore

Jefferson Credit Union is a federally insured state-chartered credit union headquartered in Hoover, Alabama, in business for about 85 years. At the end of Q2 2026 it reported $91.4M in total assets and $80.9M in member shares and deposits, with 1 office.

Based on its Q2 2026 filing, Jefferson Credit Union scores 64/100, which we describe as moderate. That is higher than only 28% of 2,479 credit unions with under $100 million in assets. Among 88 credit unions headquartered in Alabama, it ranks 68th. Its strongest component is funding & liquidity (100/100; 58% loans-to-deposits, 7% uninsured), and its lowest is capital cushion (53/100; 10.33%).

TellerScore · Q2 2026

Scorecard

Capital cushion53/100
Net worth ratio: 10.33%
Loan quality54/100
Loans 60+ days delinquent ÷ total loans: 1.38%
Earnings54/100
Return on assets (annualized): 0.85%
Funding & liquidity100/100
Loans ÷ shares: 58.1% · 6.8% uninsured
Problem-loan coverage86/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.89%

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 13 points (51 → 64), mostly because the loan quality component improved by 26 points.

TellerScore
515966Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202459
Q3 202461
Q4 202466
Q1 202561
Q2 202551
Q3 202564
Q4 202563
Q1 202662
Q2 202664
Net worth ratio
7.00%8.66%10.33%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.11%
Q3 20249.66%
Q4 20249.70%
Q1 20259.37%
Q2 20258.81%
Q3 20259.69%
Q4 20259.75%
Q1 202610.01%
Q2 202610.33%
Delinquent loans (60+ days)
0.26%1.21%2.16%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.90%
Q3 20240.72%
Q4 20240.26%
Q1 20250.60%
Q2 20252.16%
Q3 20250.73%
Q4 20250.74%
Q1 20261.38%
Q2 20261.38%
Return on assets
-0.12%0.36%0.85%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.12%
Q3 2024-0.07%
Q4 20240.04%
Q1 2025-0.07%
Q2 20250.77%
Q3 20250.41%
Q4 20250.29%
Q1 20260.73%
Q2 20260.85%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$91.4M10.33%1.38%0.85%58.1%
Q1 202662$92.1M10.01%1.38%0.73%59.7%
Q4 202563$92.8M9.75%0.74%0.29%62.3%
Q3 202564$91.8M9.69%0.73%0.41%63.2%
Q2 202551$96.0M8.81%2.16%0.77%61.2%
Q1 202561$86.1M9.37%0.60%-0.07%58.1%
Q4 202466$83.4M9.70%0.26%0.04%58.0%
Q3 202461$82.9M9.66%0.72%-0.07%57.3%
Q2 202459$79.2M10.11%0.90%-0.12%60.9%

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 ratio10.33%
19th
Problem loans1.38%
30th
Net charge-offs0.90%
16th
Return on assets0.85%
60th
Loans to deposits58.1%
51st
Uninsured deposits6.8%
13th
Loan-loss reserves0.00%
37th
Texas ratio6.9%
21st

Similar-size credit unions in Alabama

InstitutionScoreAssetsCapitalProblem loansCompare
Sycamore Federal Credit UnionCredit union Sycamore, AL87 out of 100, Very strong$77.1M16.4%0.89%vs
Rocket City Federal Credit UnionCredit union Huntsville, AL94 out of 100, Very strong$69.1M17.3%0.17%vs
Florence Federal Credit UnionCredit union Florence, AL76 out of 100, Strong$65.9M14.1%0.90%vs
The Bridgeway Federal Credit UnionCredit union Phenix City, AL72 out of 100, Strong$62.3M16.3%1.01%vs
University of South Alabama Federal Credit UnionCredit union Mobile, AL96 out of 100, Very strong$56.2M16.4%0.49%vs
Tuscaloosa V a Federal Credit UnionCredit union Tuscaloosa, AL84 out of 100, Strong$51.9M13.1%0.24%vs

Deposit insurance

Is my money safe at Jefferson Credit Union?

Yes. Jefferson Credit Union is a federally insured credit union (NCUA charter #63834). 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 6.8% of shares and deposits ($5.5M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 10.33%, 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

Jefferson Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Jefferson Credit Union reported 18 home-loan applications under HMDA (LEI 2549008W3O3PXWF90U35): 15 originated ($1,765,000 total), 2 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 11.8%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Jefferson Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
63834
RSSD ID
722692
Primary regulator
State + NCUA
Established
1941
Headquarters
5261 Ross Bridge Pkwy, Hoover, AL 35226
Employees
22

Quick answers

Jefferson Credit Union: common questions

Is Jefferson Credit Union NCUA insured?

Yes. Jefferson Credit Union is a federally insured credit union (NCUA charter #63834). 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 Credit Union's TellerScore?

64 out of 100 (Moderate), 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 Credit Union have?

1 office as of the latest NCUA data.