credit union · NCUA 20581 · TX
How big is J.C.T.?
J.C.T. (TX, NCUA charter 20581) reported total assets of $10.0M, 586 members and a net worth ratio of 12.67% in its Call Report for 2026Q2. That ranks 3528 of 4,299 federally insured credit unions by assets, 1135 of 1,135 among credit unions with $10m-$50m in assets, 305 of 380 credit unions in texas.
What stands out
J.C.T. (TX, NCUA charter 20581) reported total assets of $10.0M, 586 members and a net worth ratio of 12.67% in its Call Report for 2026Q2. That ranks 3528 of 4,299 federally insured credit unions by assets, 1135 of 1,135 among credit unions with $10m-$50m in assets, 305 of 380 credit unions in texas. Against its size class: net worth ratio 12.67%, below the peer median of 13.88%; loan-to-share ratio 50.11%, below the peer median of 57.77%; return on assets 0.40%, below the peer median of 0.70%. At 12.67% its net worth ratio is above the 7% NCUA threshold, which puts it in the "well capitalised" band of prompt corrective action; the regulator applies further tests, this page does not.
Key figures, 2026Q2
As filed with the NCUA; ratios computed by FACTANKER. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2026Q2 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $10.0M | $25.2M | $49.9M | $68.3M | record → |
| Shares and deposits | $8.7M | $21.4M | $40.8M | $58.3M | record → |
| Loans outstanding | $4.4M | $11.2M | $24.4M | $34.4M | record → |
| Net income (year to date) | $20.3k | $82.1k | $141.6k | $222.2k | record → |
| Net worth | $1.3M | $3.4M | $7.4M | $9.0M | record → |
| Net worth ratio | 12.67% | 13.88% | 13.62% | 12.65% | record → |
| Loan-to-share ratio | 50.11% | 57.77% | 70.24% | 68.70% | computed |
| Return on assets | 0.40% | 0.70% | 0.59% | 0.71% | computed |
| Members | 586 | 2,092 | 4,156 | 4,818 | record → |
Quarter by quarter
45 Call Reports on record, 2015Q2–2026Q2; the 40 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2026Q2 | $10.0M | $8.7M | $4.4M | $20.3k | 12.67% | 586 | 3528 |
| 2026Q1 | $10.7M | $9.4M | $4.3M | $11.8k | 11.78% | 600 | 3514 |
| 2025Q4 | $10.7M | $9.4M | $4.4M | $65.1k | 11.71% | 612 | 3531 |
| 2025Q3 | $10.7M | $9.4M | $4.5M | $55.9k | 11.57% | 612 | 3550 |
| 2025Q2 | $10.9M | $9.6M | $4.6M | $37.2k | 11.24% | 609 | 3570 |
| 2025Q1 | $10.7M | $9.5M | $4.4M | $14.9k | 11.14% | 618 | 3608 |
| 2024Q4 | $10.6M | $9.4M | $4.6M | $77.6k | 11.18% | 612 | 3632 |
| 2024Q3 | $10.3M | $9.2M | $4.8M | $58.8k | 11.24% | 609 | 3669 |
| 2024Q2 | $10.5M | $9.3M | $4.8M | $42.8k | 10.95% | 609 | 3686 |
| 2024Q1 | $10.3M | $9.2M | $4.9M | $22.6k | 10.93% | 621 | 3721 |
| 2023Q4 | $10.4M | $9.3M | $4.9M | $21.9k | 10.64% | 619 | 3740 |
| 2023Q3 | $10.3M | $9.2M | $5.0M | $8.7k | 10.56% | 639 | 3772 |
| 2023Q2 | $9.9M | $8.8M | $5.0M | $7.1k | 11.01% | 617 | 3832 |
| 2023Q1 | $10.1M | $9.0M | $5.0M | $10.5k | 10.79% | 630 | 3843 |
| 2022Q4 | $10.5M | $9.4M | $4.7M | $74.5k | 10.32% | 640 | 3850 |
| 2022Q3 | $11.2M | $10.1M | $4.3M | $41.8k | 9.39% | 636 | 3852 |
| 2022Q2 | $10.6M | $9.5M | $4.0M | $25.9k | 9.77% | 631 | 3907 |
| 2022Q1 | $10.2M | $9.1M | $3.9M | $21.7k | 10.13% | 643 | 3964 |
| 2021Q4 | $10.1M | $9.0M | $3.7M | $21.8k | 10.03% | 646 | 3985 |
| 2021Q3 | $10.0M | $9.0M | $3.8M | $30.4k | 10.18% | 645 | 4015 |
| 2021Q2 | $9.9M | $8.9M | $3.8M | $11.0k | 10.09% | 642 | 4045 |
| 2021Q1 | $9.6M | $8.6M | $3.7M | $-1.4k | 10.30% | 644 | 4083 |
| 2020Q4 | $8.7M | $7.7M | $3.7M | $32.8k | 11.37% | 644 | 4135 |
| 2020Q3 | $8.7M | $7.7M | $3.8M | $35.4k | 11.31% | 649 | 4136 |
| 2020Q2 | $8.7M | $7.7M | $3.9M | $31.9k | 11.31% | 647 | 4146 |
| 2020Q1 | $8.3M | $7.4M | $4.1M | $593 | 11.45% | 643 | 4153 |
| 2019Q4 | $8.2M | $7.2M | $4.1M | $17.6k | 11.63% | 644 | 4176 |
| 2019Q3 | $8.3M | $7.3M | $4.1M | $16.3k | 11.50% | 643 | 4186 |
| 2019Q2 | $8.2M | $7.2M | $4.0M | $8.0k | 11.56% | 647 | 4214 |
| 2019Q1 | $8.1M | $7.1M | $3.7M | $834 | 11.63% | 651 | 4242 |
| 2018Q4 | $8.1M | $7.2M | $3.8M | $32.1k | 11.55% | 649 | 4244 |
| 2018Q3 | $8.1M | $7.1M | $4.0M | $26.8k | 11.55% | 647 | 4278 |
| 2018Q2 | $8.4M | $7.5M | $4.0M | $12.6k | 10.88% | 640 | 4274 |
| 2018Q1 | $8.3M | $7.4M | $4.0M | $4.7k | 10.89% | 642 | 4313 |
| 2017Q4 | $8.2M | $7.3M | $3.9M | $15.9k | 11.05% | 638 | 4332 |
| 2017Q3 | $7.7M | $6.8M | $4.0M | $11.7k | 11.64% | 631 | 4426 |
| 2017Q2 | $7.6M | $6.7M | $4.1M | $8.0k | 11.83% | 636 | 4480 |
| 2017Q1 | $7.4M | $6.5M | $4.0M | $2.7k | 12.02% | 639 | 4531 |
| 2016Q4 | $7.5M | $6.6M | $4.0M | $7.0k | 11.90% | 640 | 4525 |
| 2016Q3 | $7.7M | $6.8M | $3.9M | $6.5k | 11.46% | 635 | 4515 |
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