J.C.T. Federal Credit Union

Overview / Commentary
309 N Allen St
Edna, TX 77957

J.C.T. Federal Credit Union is headquartered in Edna and is the 344th largest credit union in the state of Texas. It is also the 4,175th largest credit union in the nation. It was established in 1971 and as of December of 2019, it had grown to 4 employees and 644 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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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 very low asset base.

Health Grade Components

NCUA #20581
Year Chartered1971
Primary Regulator
Profit Margin
Return on Assets - YTD0.21%
Return on Equity - YTD1.78%
Annual Interest Income$222.00K
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$8.2MM$8.1MM
LoansQ4 2019vs Q4 2018$4.1MM$3.8MM
DepositsQ4 2019vs Q4 2018$7.2MM$7.2MM
Equity CapitalQ4 2019vs Q4 2018$954.00K$936.00K
Loan Loss AllowanceQ4 2019vs Q4 2018$25.00K$18.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$4.00K$0
Real Estate OwnedQ4 2019vs Q4 2018$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

J.C.T. Federal Credit Union Savings Account Rates

0.25%*$20k*-Share Accounts
OTHER TIERS: 0.05% $5 - $5k | 0.15% $5k - $20k

J.C.T. Federal Credit Union Checking Account Rates

0.05%$100-Share Draft Checking Account

J.C.T. Federal Credit Union CD Rates

0.50%$1k$100k1 Year Share Certificate

J.C.T. Federal Credit Union IRA Rates

0.50%$1k$100k1 Year IRA Certificate

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

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