J.C.T.
Federal • Edna, Texas • Est. 1971
Quick Facts
- Charter Number
- #20581
- Type
- Federal
- Established
- 1971
- Headquarters
- Edna, Texas 77957
- Address
- 309 N Allen St
- Branches
- 1
- Members
- 612
- Membership Type
- Community
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
612 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | J.C.T. |
|---|---|
| Total Assets | $10.7M |
| Members | 612 |
| Loans Outstanding | $4.4M |
| Shares & Deposits | $9.4M |
| Net Worth | $1.2M |
| Net Worth Ratio | 11.71% |
| Loan-to-Share Ratio | 47.3% |
| Delinquency Rate | 0.00% |
| Net Income | +$66,966 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
1 location
Office
Main Office309 N Allen St
Edna, TX 77957
Who Can Join J.C.T.?
Membership Type: Community
Membership eligibility for J.C.T. may vary. Contact the credit union directly to confirm qualification requirements.
Contact J.C.T. directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in Texas
Browse all federally insured credit unions in Texas, ranked by assets, members, and financial health score.
View Texas RankingsFrequently Asked Questions
Yes. J.C.T. 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, J.C.T. has 612 members and a potential membership field of 1,500 people.
J.C.T.'s net worth ratio is 11.71% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 11.7%, J.C.T. meets this threshold.
J.C.T. operates 1 branch location. The main office is located at 309 N Allen St, Edna, TX 77957.
J.C.T. was established in 1971. It is a federal credit union chartered under charter number 20581. The institution has been serving members for 55 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or J.C.T.. All financial data is for informational purposes only.