Jackson County Co-Op Credit Union
Total assets
$31.2M
▲ +1.6% YoY
Shares & deposits
$25.6M
▲ +0.5% YoY
Loans
$21.2M
▲ +5.0% YoY
Members
1,067
▲ +0.9% YoY
ROA (annualized)
1.52%
peers 0.60%
ROE (annualized)
8.41%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.6% | +1.3% | +0.3 pts |
| Share growth (YoY) | +0.5% | +0.7% | -0.2 pts |
| Loan growth (YoY) | +5.0% | -2.4% | +7.4 pts |
| ROA | 1.52% | 0.60% | +0.9 pts |
| ROE | 8.4% | 4.1% | +4.3 pts |
ROA ranks in the 85th percentile of its peer group · Q1 2026
Profile
- Established
- 1955
- Charter
- NFICU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 3
- Address
- 705 West Second Street, Seymour, IN, 47274
- NCUA charter #
- 97063
- RSSD ID
- 142290
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $31.2M | $25.6M | $21.2M | $5.6M | $119K | 1.52% | 5.10% | 0.00% | 1,067 |
| Q4 2025 | $29.8M | $24.3M | $22.3M | $5.5M | $383K | 1.29% | 4.65% | 0.00% | 1,058 |
| Q3 2025 | $30.1M | $24.7M | $20.9M | $5.4M | $288K | 1.28% | 4.50% | 0.00% | 1,045 |
| Q2 2025 | $29.4M | $24.0M | $20.8M | $5.4M | $228K | 1.55% | 4.72% | 0.12% | 1,046 |
| Q1 2025 | $30.7M | $25.5M | $20.2M | $5.3M | $113K | 1.48% | 4.74% | 0.00% | 1,057 |
| Q4 2024 | $29.2M | $24.1M | $21.5M | $5.1M | $413K | 1.41% | 4.73% | 0.00% | 1,059 |
| Q3 2024 | $30.1M | $25.0M | $21.8M | $5.1M | $349K | 1.55% | 4.61% | 0.00% | 1,060 |
| Q2 2024 | $29.1M | $24.2M | $22.8M | $5.0M | $231K | 1.59% | 4.84% | 0.00% | 1,053 |
Loan mix (Q1 2026): real estate $1.2M · commercial $18.9M · consumer $1.1M · securities $6.8M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.52% | 0.60% | — | |
Return on equity Annualized net income ÷ equity or net worth | 8.4% | 4.1% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 5.10% | 3.83% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.6% | 81.5% | — | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
Similar credit unions
- Harvester Financial Credit UnionIndianapolis, IN · $82.4M
- Kemba Indianapolis Credit UnionIndianapolis, IN · $84.2M
- Public Service #3 Credit UnionFort Wayne, IN · $87.5M
- Lampco Federal Credit UnionAnderson, IN · $89.3M
- Firefighters Credit UnionIndianapolis, IN · $89.6M
- Evansville Federal Credit UnionEvansville, IN · $90.8M
Selling to Jackson County Co-Op Credit Union?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.