J.C.T. Federal Credit Union


Overview / Commentary
361-782-0708
309 N Allen St
Edna, TX 77957

J.C.T. Federal Credit Union is headquartered in Edna and is the 308th largest credit union in the state of Texas. It is also the 3,608th largest credit union in the nation. It was established in 1971 and as of March of 2025, it had grown to 4 employees and 618 members at 1 location. J.C.T. Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership is open to employees of the Edna, Ganado and Industrial School Districts.
See current membership details

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Health
B+
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. J.C.T. Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #20581
Year Chartered1971
Employees4
Primary Regulator
Profit Margin
Return on Assets - YTD0.56%
Return on Equity - YTD4.99%
Annual Interest Income$113K
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$10.7MM$10.3MM
LoansQ1 2025vs Q1 2024$4.4MM$4.9MM
DepositsQ1 2025vs Q1 2024$9.5MM$9.2MM
Equity CapitalQ1 2025vs Q1 2024$1.2MM$1.1MM
Loan Loss AllowanceQ1 2025vs Q1 2024$4K$3K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$3K$0
Real Estate OwnedQ1 2025vs Q1 2024$0$0
Rates

Rates for J.C.T. Federal Credit Union are currently being reviewed.

Locations


J.C.T. Federal Credit Union Locations
Branch Office309 N Allen StEdna, TX 77957

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