National J. A. C. L. Credit Union is a federally insured state-chartered credit union headquartered in Salt Lake City, Utah, in business for about 39 years. At the end of Q2 2026 it reported $38.6M in total assets and $33.6M in member shares and deposits, with 2 offices.
Based on its Q2 2026 filing, National J. A. C. L. Credit Union scores 51/100, which we describe as below average. That is higher than only 10% of 2,479 credit unions with under $100 million in assets. Among 51 credit unions headquartered in Utah, it ranks 49th. Its strongest component is funding & liquidity (97/100; 63% loans-to-deposits, 1% uninsured), and its lowest is earnings (17/100; -0.07%).
TellerScore · Q2 2026
Scorecard
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 10 points (61 → 51), mostly because the loan quality component weakened by 37 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 58 |
| Q3 2024 | 59 |
| Q4 2024 | 60 |
| Q1 2025 | 62 |
| Q2 2025 | 61 |
| Q3 2025 | 61 |
| Q4 2025 | 57 |
| Q1 2026 | 55 |
| Q2 2026 | 51 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 9.83% |
| Q3 2024 | 9.66% |
| Q4 2024 | 9.50% |
| Q1 2025 | 9.57% |
| Q2 2025 | 9.67% |
| Q3 2025 | 9.72% |
| Q4 2025 | 9.65% |
| Q1 2026 | 9.53% |
| Q2 2026 | 9.69% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.95% |
| Q3 2024 | 0.99% |
| Q4 2024 | 0.60% |
| Q1 2025 | 0.43% |
| Q2 2025 | 0.59% |
| Q3 2025 | 0.69% |
| Q4 2025 | 1.24% |
| Q1 2026 | 1.29% |
| Q2 2026 | 1.71% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.07% |
| Q3 2024 | -0.00% |
| Q4 2024 | -0.15% |
| Q1 2025 | -0.17% |
| Q2 2025 | -0.10% |
| Q3 2025 | 0.01% |
| Q4 2025 | 0.02% |
| Q1 2026 | -0.11% |
| Q2 2026 | -0.07% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 51 | $38.6M | 9.69% | 1.71% | -0.07% | 63.3% |
| Q1 2026 | 55 | $39.2M | 9.53% | 1.29% | -0.11% | 56.9% |
| Q4 2025 | 57 | $38.9M | 9.65% | 1.24% | 0.02% | 59.4% |
| Q3 2025 | 61 | $38.6M | 9.72% | 0.69% | 0.01% | 61.7% |
| Q2 2025 | 61 | $38.6M | 9.67% | 0.59% | -0.10% | 63.1% |
| Q1 2025 | 62 | $39.0M | 9.57% | 0.43% | -0.17% | 64.0% |
| Q4 2024 | 60 | $39.7M | 9.50% | 0.60% | -0.15% | 64.6% |
| Q3 2024 | 59 | $39.6M | 9.66% | 0.99% | -0.00% | 60.7% |
| Q2 2024 | 58 | $38.8M | 9.83% | 0.95% | -0.07% | 67.9% |
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).
Similar-size credit unions in Utah
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Hi-Land Credit UnionCredit union Salt Lake City, UT | 71 out of 100, Strong | $37.9M | 26.8% | 0.03% | vs |
| Lu 354 I B E W Federal Credit UnionCredit union Salt Lake City, UT | 64 out of 100, Moderate | $39.8M | 16.8% | 2.77% | vs |
| Logan Medical Federal Credit UnionCredit union Logan, UT | 67 out of 100, Moderate | $33.2M | 18.4% | 2.80% | vs |
| Nephi Western Employees Federal Credit UnionCredit union Nephi, UT | 90 out of 100, Very strong | $46.4M | 34.5% | 0.15% | vs |
| San Juan Credit UnionCredit union Blanding, UT | 62 out of 100, Moderate | $29.9M | 13.9% | 2.31% | vs |
| Desertview Federal Credit UnionCredit union Huntington, UT | 74 out of 100, Strong | $48.3M | 13.7% | 1.90% | vs |
Deposit insurance
Is my money safe at National J. A. C. L. Credit Union?
Yes. National J. A. C. L. Credit Union is a federally insured credit union (NCUA charter #67005). 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 1.4% of shares and deposits ($485K) 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 9.69%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
National J. A. C. L. Credit Union lists 2 offices in 2 cities. Most locations:
- Millcreek, UT (1)
- South Jordan, UT (1)
Identity & history
Profile
- Legal name
- National J. A. C. L. Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 67005
- RSSD ID
- 245397
- Primary regulator
- State + NCUA
- Established
- 1987
- Headquarters
- 3776 S Highland Dr, Salt Lake City, UT 84106
- Employees
- 9
Quick answers
National J. A. C. L. Credit Union: common questions
Is National J. A. C. L. Credit Union NCUA insured?
Yes. National J. A. C. L. Credit Union is a federally insured credit union (NCUA charter #67005). 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 National J. A. C. L. Credit Union's TellerScore?
51 out of 100 (Below average), 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 National J. A. C. L. Credit Union have?
2 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Salt Lake City
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Uintah Credit UnionCredit union Vernal, UT | 100 out of 100, Very strong | $3.9M | 21.3% | 0.00% | vs |
| Norfolk Fire Department Federal Credit UnionCredit union Norfolk, VA | 93 out of 100, Very strong | $26.8M | 20.1% | 0.41% | vs |
| Beckstrand and Associates Credit UnionCredit union Salt Lake City, UT | 93 out of 100, Very strong | $166K | 99.9% | — | vs |
| Optum Bank, Inc.Bank Draper, UT | 93 out of 100, Very strong | $21.4B | 13.2% | 0.21% | vs |
| Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA | 92 out of 100, Very strong | $1.7B | 15.5% | 0.60% | vs |
| Wiremen'S Credit UnionCredit union Parma, OH | 92 out of 100, Very strong | $40.6M | 17.0% | 0.11% | vs |