# JACKSON COUNTY CO-OP
SEYMOUR, IN · NCUA charter 97063 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/jackson-county-co-op-97063

Who the members are: state charter, organized 1955. 1,067 members of 3,000 potential (35.6% of the field); checking penetration 52% (share draft accounts per 100 members); loans per 100 members 33.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $31.2M |
| Members | 1,067 (0.9% YoY) |
| Full-time staff | 6 |
| Net worth | $5.6M |
| Net worth ratio | 18.1% (p66 of band) |
| ROA (annualized) | 1.52% (p85 of band) |
| Total delinquency | 0.00% (p8 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 83% (p84 of band) |
| Cash / assets | 31.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.10% (p88 of band) |
| Operating expense / assets | 4.03% (p60 of band) |
| Vehicles % of loans | 5% (p7 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 6% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 0% |
| Commercial % of net worth | 334% |
| Core shares % of member funds | 60% |
| Certificates % of member funds | 26% |
| Average share balance | $11,761 |
| Participations bought / yr | $670,188 |
| Participations sold / yr | $3.4M |
| Participations outstanding | – |
| Loans outstanding per 100 members | 33% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $59,856 |
| Loans granted, annualized | $15.8M |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | loans>95% of shares |  |
| 2016-12 | 0 |  | loans>95% of shares |
| 2017-03 | 1 | delinquency rising |  |
| 2017-06 | 0 |  | delinquency rising |
| 2017-09 | 1 | delinquency rising |  |
| 2017-12 | 1 | net worth falling | delinquency rising |
| 2018-03 | 0 |  | net worth falling |
| 2018-06 | 2 | delinquency rising, loans>95% of shares |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 | assets shrinking | delinquency rising |
| 2019-03 | 1 | delinquency rising | loans>95% of shares, assets shrinking |
| 2019-06 | 2 | loans>95% of shares |  |
| 2019-09 | 1 | margin squeeze | delinquency rising, loans>95% of shares |
| 2019-12 | 2 | delinquency rising, loans>95% of shares | margin squeeze |
| 2020-03 | 1 |  | delinquency rising |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | net worth falling |  |
| 2020-12 | 1 |  | loans>95% of shares |
| 2021-03 | 2 | margin squeeze |  |
| 2021-06 | 1 |  | net worth falling |
| 2021-09 | 2 | delinquency rising |  |
| 2021-12 | 0 |  | margin squeeze, delinquency rising |
| 2022-03 | 1 | members leaving |  |
| 2022-06 | 3 | net worth falling, delinquency rising |  |
| 2022-09 | 1 |  | net worth falling, delinquency rising |
| 2022-12 | 1 |  |  |
| 2023-03 | 0 |  | members leaving |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 1 | assets shrinking |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 0 |  | assets shrinking |
| 2025-06 | 1 | delinquency rising |  |
| 2025-09 | 0 |  | delinquency rising |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

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

- 2024-06-10 [Scholarship recipients announced by credit union - Seymour Tribune](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNSnpfc084Y2VpXzR6ZkxQT2ZxdVZxb0R4akpiMmtpVGd1SnR0MWcwbGhiUWdVd2lmZWx4WW50ampUX3EyQWZFT09xRjFGcjA0dXQ1NWROVmFHOUVWNnpPaGNUVVJmMWVleXNlU1hVekdjd3JqUnZqMGFKckotN2hrQURUS1dLT2lK?oc=5) · Seymour Tribune
- 2025-04-08 [America's Best Regional Banks and Credit Unions 2025 - Indiana - Newsweek Rankings](https://news.google.com/rss/articles/CBMijgFBVV95cUxQQWlpNlljVGtzQ0VaQkdDSE56ZnBQNVRoSWxuU1MtTDk3ZHZZeW9EeXhOU2tSemt5aDdFMUJ0WnhLS0ptMXJlSUdNRjU1Z3hkc0JtTTRUc0E1QUhXS3djdGZaMkxYb1hOUDVmV2RfS25vMi1Uelk3SUJQWW92MGd4VmZJai0xRDlIR0pGSnVn?oc=5) · Newsweek Rankings
- 2025-03-18 [Jackson County Chamber sponsors agri-business breakfast - Seymour Tribune](https://news.google.com/rss/articles/CBMikgFBVV95cUxNSmxVenRNRGdlZ2JDUzZlM3htTHo1NTZXM3B1VUN4UWt3bXpGVl9zMmtSR3lZemFOQjNoTkFUQXd3LUNSa3NINTdKZzdLRDZFeHZPamNmZlZya3N5dDZac05jSTJTeUZyV19Hc1FiWGZrOFVzX0lxWWZoQzFqUjFFOW5ZUkRqY2dPb203ZXpDdjg1UQ?oc=5) · Seymour Tribune
- 2023-12-02 [Alfred W. Fenneberg - Seymour Tribune](https://news.google.com/rss/articles/CBMiYEFVX3lxTFB0RDVKVGh6ZHdHRndHSFRYblZ0cGRrZ1JrbnNFcEc2ck4tcDlFU2g2Rl9VdVVLdGp2OGlBT1VfdkxzRV93RXV0QkZlN1h5bXZWNndoZEZzbFU0YmNRNURXXw?oc=5) · Seymour Tribune
- 2023-05-24 [Honor day held at Seymour High School - Seymour Tribune](https://news.google.com/rss/articles/CBMifEFVX3lxTFBhTUlqbmd3Ym9HZ2dmM215OWZ1eElLSTgzVGNTR0dRcHZUT1A2X1FNYnpTdG84QXN0SGRNWk5yOENIenhEQjRfUDBfTUdOZkRfMW1NVjBRTkRwWnYta0k0N0V5WVFzbFc4aUtfY3VRN3JHZ3l2YTZndmFfel8?oc=5) · Seymour Tribune
- 2015-07-22 [On the record – July 22 - Seymour Tribune](https://news.google.com/rss/articles/CBMiZkFVX3lxTE5TM0pzOEQzTXc3dE5CUkJFQ25aRkphYUktRTUtSFV2czJzVFNpR2NZaVo1bUFuWVZzZGJ1LWVva1ltSjl6LXZuNUlZa1JSSDBwRW80c3h1dENHZnJlTjlyYUMwWktwdw?oc=5) · Seymour Tribune

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=97063 (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/39.json (key "97063", 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=97063
- 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