JACKSON COUNTY CO-OP Financial Reports
Quarter Ended: 2025/06/30
Data Updated on: 2024/10/22
JACKSON COUNTY CO-OP is a NFICU, and supervised by the National Credit Union Administration (NCUA) located in SEYMOUR, IN. Established on 1955, the credit union is regulated by the NCUA and has 1 branches.
The bank has 1 employees and holds 29,373,343 in total assets. With a focus on Non-Federal Credit Union customers, the bank has been serving its customers since 1955.
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JACKSON COUNTY CO-OP Institution Profile
| Type of Membership | Non-Federal Credit Union |
| Number of Full-Time Employees | 6 |
| Date Established | 1955 |
| Number of Part-Time Employees | 1 |
| Type of Credit Union | NFICU |
| City | SEYMOUR |
| Number of Current Members | 1060 |
| ZIP Code | 47274 |
| State | IN |
| Street Address | 705 WEST SECOND STREET |
| Official Website | http://www.myjcccu.com |
| Peer Group Category | 3 – $10,000,000 to less than $50,000,000 |
| President's Name | N/A |
| CEO Name | KRISTINA MCINTOSH |
| Join Number | 19515 |
| Net Worth Classification | Well Capitalized |
| Institution RSSDID | 142290 |
| Number Of Branches | 1 |
| Bond Provider | CUMIS |
Institution Profile Overview
The organization operates under the Membership Type of “Non-Federal Credit Union” and was Chartered on “1955”. It is classified as a NFICU, with Number of Members totaling “1060”. The institution is based in State: “IN”, within the City: “SEYMOUR”, and can be found at Street: “705 WEST SECOND STREET”, ZIP Code: “47274”.
The institution employs “6” Full-time Employees and “1” Part-time Employees, ensuring smooth operations. It belongs to the Peer Group “3 – $10,000,000 to less than $50,000,000”, reflecting its size and scope of activities. The Net Worth Classification places it in the “Well Capitalized” category.
Leadership is guided by PRESIDENT: “N/A” and CEO: “KRISTINA MCINTOSH”, ensuring strategic direction and oversight. Additional identifiers include a Join Number of “19515” and RSSD Number of “142290”. The organization’s online presence is accessible via its Website: “http://www.myjcccu.com”.
JACKSON COUNTY CO-OP Financials
(USD, in thousands)
| Total Assets | $29,373 |
| Total NonInterest Income | $79 |
| Total Liabilities | $24,006 |
| Total Interest Expense | $196 |
| Total Shares and Deposits | $24,006 |
| Total NonInterest Expense | $543 |
| Total Equity | $5,367 |
| Total Net Worth | $5,367 |
| Total Interest Income | $890 |
| Net Worth Ratio | 18.27% |
| Total amount of Loans and Leases | $20,793 |
| Total number of Loans and Leases | 370 |
Financial Performance Overview
Gain a comprehensive perspective on JACKSON COUNTY CO-OP’s financial landscape through our “Financials” table. The bank boasts total assets of $29,373k, showcasing its substantial scale and influential market presence. A nuanced breakdown reveals insights into the credit union’s financial structure and stability, with total liabilities standing at $24,006k and total equity at $5,367k.
Delve into key operational metrics, including total shares and deposits of $24,006k, total loans and leases at $20,793k, and a meticulous analysis of income and expense components. This detailed financial overview is designed to enhance your understanding of JACKSON COUNTY CO-OP’s performance and competitive positioning within the financial industry.
JACKSON COUNTY CO-OP Additional Financial Information
| Net Interest Income | 693,243.00 |
| Loans Held for Sale | 0.00 |
| Net Interest Margin (as a % of Average Assets) | 4.73 |
| Other Non‐Performing Assets (as % of Total Assets) | 0.00 |
| All Other Assets (Total) | 313,052.00 |
| Total Cash on Deposit (Amounts Deposited in Financial Institutions) | 2,761,722.00 |
| Net Worth Growth | 8.86 |
| Total INVESTMENT SECURITIES | 0.00 |
| Share Growth | -0.62 |
| TOTAL OTHER INVESTMENTS | 60,000.00 |
| Loan Growth | -6.25 |
| Total Foreclosed and Repossessed Assets | 0.00 |
| Asset Growth | 1.05 |
| Total Credit Loss Expense | 2,062.00 |
| Investment Growth | 24.50 |
| NET INCOME (LOSS) | 227,746.00 |
| Membership Growth | -2.46 |
| Loans‐to‐Assets Ratio | 70.79 |
| Return on Average Assets (ROAA) | 1.55 |
| Cash & Short‐Term Investments (as % of Assets) | 27.02 |
| Net Income (Excluding Extraordinary Items) / Average Assets | 1.55 |
| Risk‐Based Capital Ratio | N/A |
| Non‐Interest Expense (as % of Average Assets) | 3.71 |
| GAAP Equity (as % of Total Assets) | 18.27 |
| Provision for Loan or Credit Losses (as % of Average Assets) | 0.01 |
| Loan Loss Ratio | 0.00 |
| Total Gain (Loss) on Investments | 0.00 |
| Efficiency Ratio | 56.01 |
| Regulatory Net Worth Ratio | 1,827.00 |
| Adjusted Net Worth Ratio | 19.03 |
Insights into Financial Metrics
Enhance your understanding of JACKSON COUNTY CO-OP‘s financial standing through our Additional Financial Information table. Explore key metrics such as Total Loans and Leases: $20,793k and Net Interest Income: $0k to gain valuable insights into the credit union’s core operations and revenue streams.
Delve into the intricacies of Loan Loss Ratio 0 to evaluate the credit union’s asset quality and risk mitigation efforts. Examine the composition of income through Total Noninterest Income: $79k and evaluate operational efficiency using metrics like Efficiency Ratio: 56.0126. This nuanced financial overview empowers a comprehensive analysis of JACKSON COUNTY CO-OP‘s strategic financial position and performance in the industry.
Frequently Asked Questions (FAQs)
What is the asset size of JACKSON COUNTY CO-OP?
The asset size of JACKSON COUNTY CO-OP is approximately $29,373k, reflecting the credit union’s scale and market presence.
What type of bond does JACKSON COUNTY CO-OP have?
JACKSON COUNTY CO-OP has a bond provided by CUMIS, which ensures certain financial securities to its members.
How many members does JACKSON COUNTY CO-OP currently have?
The credit union currently serves 1060 members, indicating its reach and community impact.
What is the total number of employees at JACKSON COUNTY CO-OP?
There are 7 employees at JACKSON COUNTY CO-OP, including both full-time and part-time staff, supporting its operations and member services.
Where is JACKSON COUNTY CO-OP located and how many branches does it have?
JACKSON COUNTY CO-OP is located in SEYMOUR, IN, and operates 1 branches.
What is the net worth ratio of JACKSON COUNTY CO-OP?
The net worth ratio, a key indicator of financial strength, for JACKSON COUNTY CO-OP is 1827%.
What is the total value of loans and deposits at JACKSON COUNTY CO-OP?
The credit union holds $20,793k in loans and $24,006k in deposits, reflecting its lending and saving activities.
What does JACKSON COUNTY CO-OP’s investment portfolio look like?
The credit union’s investment portfolio includes total investment securities and other investments, showcasing strategic asset allocation.
Who are the leaders of JACKSON COUNTY CO-OP?
Leadership at JACKSON COUNTY CO-OP is provided by President N/A and CEO KRISTINA MCINTOSH”, guiding strategic decisions and operations.