J.C.T.
J.C.T. is a credit union based in Edna, Texas, established in 1971, with $11 million in total assets serving 600 members. By Trust Grade it ranks 170th of 379 credit unions we track in Texas. Its net worth ratio of 11.8% trails most similarly sized credit unions (31th percentile), versus a Texas median of 13.5%. It was profitable over the most recent period, with a 0.44% return on assets. No consumer complaints against J.C.T. appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How J.C.T. compares to Texas peers
How we graded J.C.T.
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (11.8% capital ratio)
- Profitable (ROA 0.44%)
- No CFPB complaints on record
The Trust Grade is Bankzia’s independent, documented opinion computed from public FDIC/NCUA/CFPB data — not an official rating, and not a statement about the safety of insured deposits. Report a data error or dispute this grade →
Consumer complaints (CFPB)
No CFPB complaints are on file for J.C.T. over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at J.C.T. insured?
Yes. J.C.T. is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
J.C.T.: frequently asked questions
Is J.C.T. a good credit union?
J.C.T. earns a Bankzia Trust Grade of A (93/100, "Excellent"), based on a financial-strength score of 93/100 (it has no CFPB complaints on record). Strongly capitalized (11.8% capital ratio); Profitable (ROA 0.44%).
Is J.C.T. NCUA-insured?
Yes. J.C.T. is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is J.C.T.?
J.C.T. holds $11 million in total assets, ranking 170th of 379 credit unions we track in Texas. It serves 600 members.
Does J.C.T. have CFPB complaints?
No CFPB complaints against J.C.T. appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
