Sep, 30, 2025 — JSC FEDERAL CREDIT UNION is a federal credit union headquartered in HOUSTON, TX with 23 branch locations and about $2.66 billion in total assets. Opened 65 years ago in 1961, JSC FEDERAL CREDIT UNION has about 124,883 members and employs 436 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | JSC FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 1330 Gemini St HOUSTON, TX 77058 |
| Phone: | (281) 488-7070 |
| Fax: | (281) 283-0722 |
| Website: | https://www.wellbyfinancial.com |
| Branches: | 23 branch locations |
| Members: | 124,883 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 14762 |
|---|---|
| Membership Type: | Multiple common bond - other |
| Corporate Credit Union: | No |
| Year Opened: | 1961 |
| Last Audited: | Jun 01, 2025 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $2,663,854,104 |
| CEO/Manager: | Martyn Pell |
| Chairperson: | Deborah A Conder |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 257,604,554 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 3,570,150 |
| Real Estate Loans | 959,312,868 |
| Unsecured Loans | 141,502,519 |
| Other Loans | 683,195,893 |
| TOTAL LOANS | 1,789,812,872 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -21,574,000 |
| Land And Building | 37,891,860 |
| Other Fixed Assets | 6,649,925 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 21,982,310 |
| All Other Assets | 809,984 |
| TOTAL ASSETS | 2,663,854,104 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 43,832,050 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 226,109,968 |
| Regular shares | 994,136,201 |
| All Other Shares & Deposits | 1,103,278,497 |
| TOTAL SHARES & DEPOSITS | 2,323,524,666 |
| TOTAL LIABILITIES | 2,367,356,716 |
| Regular Reserve | 0 |
| Other Reserves | -19,376,172 |
| Undivided Earnings | 315,873,560 |
| TOTAL EQUITY | 296,497,388 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 2,663,854,104 |
| INCOME & EXPENSE | |
| Loan Income | 76,119,683 |
| Investment Income | 18,635,164 |
| Other Income | 6,531,589 |
| Total Employee Compensation & Benefits | 30,847,602 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 25,477,195 |
| Non-operating Income & (Expense) | 2,106,685 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 12,154,704 |
| Cost of Funds | 36,023,452 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 7,678,917 |
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