# JACKSON COMMUNITY
JACKSON, MI · NCUA charter 7549 · asset band <$50M · latest filing 2017-12 · stopped filing after 2017-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/jackson-community-7549

Who the members are: federal charter, community charter, organized 1951, low-income designated. 4,873 members of 15,000 potential (32.5% of the field); checking penetration 34% (share draft accounts per 100 members); loans per 100 members 54.

**Verdict on the desk:** this could be *ordinary*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $28.9M |
| Members | 4,873 (2.5% YoY) |
| Full-time staff | 15 |
| Net worth | $2.8M |
| Net worth ratio | 9.7% (p26 of band) |
| ROA (annualized) | -2.13% (p3 of band) |
| Total delinquency | 1.96% (p73 of band) |
| Net charge-offs (annualized) | 0.42% (p60 of band) |
| Loans / shares | 91% (p90 of band) |
| Cash / assets | 4.7% |
| Borrowings / assets | 2.08% |
| Net interest margin | 4.37% (p86 of band) |
| Operating expense / assets | 7.79% (p97 of band) |
| Vehicles % of loans | 44% (p37 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 9% |
| Third-party paper % of net worth | 31% (p93 of band) |
| Vehicle delinquency | 1.00% (p60 of band) |
| Vehicle NCO | 0.44% (p69 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 40% |
| Credit cards % of loans | 9% |
| Unsecured % of loans | 13% |
| Commercial % of net worth | 56% |
| Core shares % of member funds | 60% |
| Certificates % of member funds | 12% |
| Average share balance | $3,438 |
| Participations bought / yr | $343,013 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 54% |
| Loans granted per 100 members, annualized | 17% |
| Average loan balance | $8,439 |
| Loans granted, annualized | $10.8M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | expense trap |  |
| 2016-06 | 2 | leaning on borrowings |  |
| 2016-09 | 3 | delinquency 2x band |  |
| 2016-12 | 2 | repo signal | expense trap, delinquency 2x band |
| 2017-03 | 3 | expense trap, delinquency rising | leaning on borrowings |
| 2017-06 | 3 | delinquency 2x band | repo signal |
| 2017-09 | 3 | net worth falling | delinquency rising |
| 2017-12 | 4 | losing money |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-04 [City of Jackson “State of the City” 3-4-2026 | Photo Gallery - JTV Jackson](https://news.google.com/rss/articles/CBMifEFVX3lxTFB6WkVrUk9wakhGTnV3b3hSN2FpbTNaLXF6Y3NZcnlReTlOcjhTenc2N1lQbHhfRE85MVFrdTZ4M3g2Nk5LdnZmbGFqd2JBZ01TNXhkN0ZFbXdBNjJVcDk1YmRPVVpsT2ZKZzh4LVZISmV2UFVhcWVOc1hfZks?oc=5) · JTV Jackson
- 2017-12-21 [Members of Jackson Community Federal Credit Union approve merger - American Banker](https://news.google.com/rss/articles/CBMisAFBVV95cUxNdEZoQ1J3WkNoMExJTUtFdnpLSmNMYVJyT2I0VzJOelg2ckptOEJRN3ZtakpwNUpOUjR2NzUta0xpckZDQklxNkdrWm1Ba0xaZlFQeGdSNk42SGVqOHVWT2VyaDJXbDBrNlJNLURMVXRXZGRoME1BQlZOUDBxZndGUzBJSFhUZzdSQXJNNGVGam1XeEgwMkJFdkVIbjFyQldXQWhGZnVoSHZPX1FDa0Z4Uw?oc=5) · American Banker
- 2018-01-05 [Company line: Jackson credit union merges with Battle Creek's BlueOx - MLive.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxQRmF3M2lMNmRiQ3dXWHJ5LWZxWnIyUjhxdDA0a2JkMEtRcG1HUGNCek9ldXZxeHFMT0s5cXN3ZWhEZncxU1BGX0p5SzMzcTVMenhwdU52RjFpeXB1ZHhtNkE1YXAxaEtOUjlQTHl1MlNWVW9UQ2dyT040YWZnQ2JOWVN2Qnc?oc=5) · MLive.com
- 2023-10-20 [TRUE Community Credit Union Celebrates Grand Opening of New Parnall Road Branch - JTV Jackson](https://news.google.com/rss/articles/CBMimwFBVV95cUxOVXg3RU5wbXg4LVlLbTZGR1BBNEY3b1JtaUhxdms2Q1pKSktscG9RMEduSHZkNjd3cW9FV1k4Vk5mRVJaNnpDMUowQ2RtdXVmYVE5ZmYzZkRFR3BOdGR0ZDVNblJpOWNFUmdDVFBPYTdQcmdkX1FEdks0TW5zRFhMa185a2c4d2d1WF9Ba2pEV01ocDltV1dnVm9GWQ?oc=5) · JTV Jackson
- 2019-05-15 [Charles Jonas Obituary - Albion, MI - Dignity Memorial](https://news.google.com/rss/articles/CBMif0FVX3lxTE1DUktFbDlfVzllQ3o2S09UV2pJRDJLYTc2UHl5cm9CRndqMzlIdnl2LV9FWG5ERjRkZWZqYlFpUFpsNF9fWV9vVng0MDhkblI4Z2lGUUlPZE9FeW1lam1SMWhQWm1zbzBpaXBnQXpNVjhrQi1RbkxhSWxFZkxvT1U?oc=5) · Dignity Memorial
- 2025-01-24 [Jackson News Briefs January 24, 2025 - JTV Jackson](https://news.google.com/rss/articles/CBMiYEFVX3lxTE5CMkE3X19lMl9OVnpHU05MTjVkUDIzVmhJMG9OQ2xlaUlNaE91ZDJFbTJDUk9RZzV2V0lpamViWmdweEs4WEp5TDdHSkREellHZG9JM1BEUmpkemg2bGxHeg?oc=5) · JTV Jackson
- 2025-04-08 [Margaret Molden Obituary (05/30/1952 - 04/08/2025) - Jackson, MI - Jackson Citizen Patriot - MLive.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxPR1RXT0l0TEp4SUZ5My1nVDZYVkJIclB0N0dwUTNQVkg5QnFGWHNCNE9Qc3FBZG9BMnhaajV6Ul9feFhzbG9FLWpwd0Y5ZHFhbzk4ekVrTjYzdHgxZHdNeFVCVVRZUHBiNE8yNUFVWThac0ZFcERnR2ZwRGpIVWhENVJZQWpRRVplb0lZY2ZNSDA?oc=5) · MLive.com
- 2017-12-21 [JCFCU to Merge with Blue Ox Credit Union - JTV Jackson](https://news.google.com/rss/articles/CBMiXEFVX3lxTE91TDdhZFBNTVAxcFFwaVI3NHVralpndG9oLVdJZmt5Ui15ZW9sMzFEeUJ2TU4yQ3kzR3ZjOFZjaVFVbktESjRmTHFhaTd3X3lQWjlWUnhhdVotT0ZD?oc=5) · JTV Jackson

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=7549 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/61.json (key "7549", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=7549
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide