Credit unions · Texas · Q2 2026
JSC FCU AI Score
Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.
| Total assets | $2.65B |
| Total loans & leases | $1.83B |
| Total shares & deposits | $2.32B |
| Members | 127,500 |
| Net worth | $318M |
| Net worth / assets | 12.01% |
| Loans / assets | 69.03% |
| Return on assets (annualized) | 0.58% |
| Loan growth (YoY) | 0.65% |
| Member growth (YoY) | 1.97% |
| Delinquency, all loans (60+ days) | 1.08% |
| Charter | Federal charter |
| Asset band | $1B–$5B |
| NCUA peer group | over $500M |
| Sponsor type | Other / mixed sponsor |
AI readiness
AI Score: 3 of 5 stars, AI connected to internal credit-union data
Wellby Financial's own contact page states it offers a 24/7 "Wellby Virtual Assistant" alongside live chat with staff, which indicates a member-facing AI assistant answering questions about the credit union. No public evidence was found of AI making decisions inside lending, collections or other workflows.
- JSC FCU website “Wellby member service representatives are available for Live Chat during business hours, and our Wellby Virtual Assistant is here to help 24/7 outside of those hours.”