JAMESTOWN AREA COMMUNITY
Federal • Jamestown, New York • Est. 1940
Quick Facts
- Charter Number
- #3551
- Type
- Federal
- Established
- 1940
- Headquarters
- Jamestown, New York 14701
- Address
- 915 E 2ND ST
- Branches
- 6
- ATMs
- 5
- Members
- 6,289
- Membership Type
- Other/Unknown
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
6,289 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | JAMESTOWN AREA COMMUNITY |
|---|---|
| Total Assets | $82.5M |
| Members | 6,289 |
| Loans Outstanding | $47.8M |
| Shares & Deposits | $73.8M |
| Net Worth | $8.7M |
| Net Worth Ratio | 10.55% |
| Loan-to-Share Ratio | 64.7% |
| Delinquency Rate | 0.02% |
| Net Income | +$1,401,684 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
6 locations · 5 ATMs
Jamestown Area Community FCU
Main Office915 E 2ND ST
Jamestown, NY 14701
JACFCU Frewsburg
11 N PEARL ST
Frewsburg, NY 14738
JACFCU-Drive Thru
525 E 2ND ST
Jamestown, NY 14701
JACFCU_ Lakewood
121 Chautauqua Ave
Lakewood, NY 14750
JACFCU-Randolph
71 Main St
Randolph, NY 14772
Who Can Join JAMESTOWN AREA COMMUNITY?
Membership Type: Other/Unknown
Membership eligibility for JAMESTOWN AREA COMMUNITY may vary. Contact the credit union directly to confirm qualification requirements.
Contact JAMESTOWN AREA COMMUNITY directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View New York RankingsFrequently Asked Questions
Yes. JAMESTOWN AREA COMMUNITY is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, JAMESTOWN AREA COMMUNITY has 6,289 members and a potential membership field of 65,000 people.
JAMESTOWN AREA COMMUNITY's net worth ratio is 10.55% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 10.6%, JAMESTOWN AREA COMMUNITY meets this threshold.
JAMESTOWN AREA COMMUNITY operates 6 branch locations and has access to 5 ATMs. The main office is located at 915 E 2ND ST, Jamestown, NY 14701.
JAMESTOWN AREA COMMUNITY was established in 1940. It is a federal credit union chartered under charter number 3551. The institution has been serving members for 86 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or JAMESTOWN AREA COMMUNITY. All financial data is for informational purposes only.