JSC Credit Union Profile

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JSC

Charter #14762 | NCUA Region 2 | FCU

Low-Income Designation: No

Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (281) 488-7070

Fax: (281) 283-0722

Founding Date: N/A

Website: http://www.wellbyfinancial.com

Personnel & Operations

President: Conder, Deborah

Manager: Pell, Martyn

FT Employees: 423

PT Employees: 10

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 98

Branches: 23

Hours: Lobby: Mon. - Fri. 9am - 5pm; Sat. 9am - 1p

Credit Union Profile Summary

JSC is a FCU Credit Union. With a total of 125,045 members ^[1], this institution manages approximately $2,661,493,459 in total assets ^[1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 11.85% ^[1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -4.26% ^[1].

Financial Snapshot

Total Assets ^[1]

$2,661,493,459

Total economic resources.

Total Loans ^[1]

$1,814,634,313

Total value of outstanding loans.

Total Deposits ^[1]

$2,344,408,928

Total funds deposited by members.

Members ^[1]

125,045

Number of active members.

Performance Ratios

Net Worth Ratio ^[1]

11.85%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) ^[1]

0.32%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio ^[1]

77.40%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) ^[1]

↑ 1.25%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) ^[1]

↓ -4.26%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) ^[1]

↓ -2.86%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

1330 Gemini St

Houston, TX, 77058

Open in Google Maps

Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

Rate This Credit Union

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Branch Locations

Found 20 branches reported by JSC (Charter #14762).

Main Office

Main Branch Main Office

Type: Corporate Office

1330 Gemini St

Houston, TX 77058

Phone: (281) 488-7070

Services: Member Services, ATM, Drive-Thru

JSC Credit Union Profile

JSC

Headquarters Contact & Staff

Credit Union Profile Summary

Financial Snapshot

Performance Ratios

Four-Quarter Growth

Headquarters Location & Map

Headquarters Address

Member Ratings & Reviews

Rate This Credit Union

Branch Locations

Main Office

Main Branch Main Office

Additional Branches

Alvin

Cypress

Deer Park

Dickinson

Friendswood

Galveston

Houston

Katy

La Porte

League City

Pasadena

Pearland

Seabrook

Sugar Land

Texas City