Sep, 30, 2025 — NATIONAL J. A. C. L. CREDIT UNION is a federally insured state chartered credit union headquartered in MILLCREEK, UT with 1 branch location and about $38.60 million in total assets. Opened 39 years ago in 1987, NATIONAL J. A. C. L. CREDIT UNION has about 3,078 members and employs 9 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | NATIONAL J. A. C. L. CREDIT UNION |
|---|---|
| Address: (Main Office) | 3776 S Highland Dr MILLCREEK, UT 84106-3270 |
| Phone: | (801) 424-5225 |
| Fax: | (801) 424-5220 |
| Website: | https://www.jaclcu.com |
| Branches: | 1 branch locations |
| Members: | 3,078 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 67005 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1987 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $38,602,273 |
| CEO/Manager: | Dean I Hirabayashi |
| Chairperson: | Larry Grant |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 1,919,693 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 10,621,800 |
| Unsecured Loans | 1,048,821 |
| Other Loans | 9,049,024 |
| TOTAL LOANS | 20,719,645 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -101,526 |
| Land And Building | 880,641 |
| Other Fixed Assets | 35,230 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 345,449 |
| All Other Assets | 0 |
| TOTAL ASSETS | 38,602,273 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 30,053 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 1,219,834 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 4,823,433 |
| Regular shares | 9,428,527 |
| All Other Shares & Deposits | 19,355,887 |
| TOTAL SHARES & DEPOSITS | 33,607,847 |
| TOTAL LIABILITIES | 34,857,734 |
| Regular Reserve | 0 |
| Other Reserves | 2,033,097 |
| Undivided Earnings | 1,711,442 |
| TOTAL EQUITY | 3,744,539 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 38,602,273 |
| INCOME & EXPENSE | |
| Loan Income | 947,428 |
| Investment Income | 324,080 |
| Other Income | 22,153 |
| Total Employee Compensation & Benefits | 307,668 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 538,898 |
| Non-operating Income & (Expense) | 8,010 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 36,000 |
| Cost of Funds | 473,070 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 2,320 |
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