JSC

Charter #14762 | TX

1B-3B (304 CUs) Mid-Market (380 CUs)
26 1B-3B in TX

JSC has 4 strengths but faces 10 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 33.7% in tier
  • + Relationship Depth Leader: Top 36.3% in tier
  • + Total Deposits: Top 5.3% in tier
  • + Total Assets: Top 7.2% in tier

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 5.7% in tier
  • - Institutional Decline: Bottom 6.9% in tier
  • - Membership Headwinds: Bottom 10.9% in tier
  • - Stagnation Risk: Bottom 14.2% in tier
  • - Indirect Auto Dependency: Bottom 23.0% in tier
  • - ROA 0.32% below tier average
  • - Delinquency rate 0.03% above tier average
  • - Member decline: -4.2% YoY
  • - Loan Growth Rate: Bottom 7.9% in tier
  • - Member Growth Rate: Bottom 8.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Members 124,883
-4.2% YoY-0.1% QoQ
 +26.2K 98,678
-1.9% YoY
 26,896
+3.7% YoY
 33,089
+6.1% YoY
 Top 23.7% in tier
Assets $2.7B
+0.2% YoY+0.1% QoQ
 +$944.3M $1.7B
+0.5% YoY
 $411.3M
+5.9% YoY
 $547.7M
+7.8% YoY
 Top 7.6% in tier
Loans $1.8B
-5.6% YoY-1.4% QoQ
 +$556.8M $1.2B
+0.5% YoY
 $295.8M
+5.3% YoY
 $388.7M
+8.6% YoY
 Top 15.1% in tier
Deposits $2.3B
-1.0% YoY-0.9% QoQ
 +$869.2M $1.5B
+1.3% YoY
 $341.5M
+6.1% YoY
 $464.6M
+9.3% YoY
 Top 5.6% in tier
ROA 0.4%
-2.3% YoY+20.4% QoQ
 -0.3% 0.7%
+13.4% YoY
 0.5%
-24.0% YoY
 0.7%
+273.4% YoY
 Bottom 21.4% in tier
NIM 2.9%
+7.0% YoY+2.6% QoQ
 -0.3% 3.3%
+9.3% YoY
 3.9%
+4.3% YoY
 3.7%
+5.0% YoY
 26th in tier
Efficiency Ratio 74.0%
-3.7% YoY-0.8% QoQ
 -0.0% 74.0%
-10.9% YoY
 79.6%
-0.9% YoY
 79.1%
-3.3% YoY
 46th in tier
Delinquency Rate 0.9%
-3.4% YoY-8.6% QoQ
 +0.0 0.8%
+6.1% YoY
 1.2%
+20.3% YoY
 1.2%
-0.9% YoY
 67th in tier
Loan To Share 77.0%
-4.6% YoY-0.5% QoQ
 -8.2% 85.2%
-0.8% YoY
 71.8%
-2.5% YoY
 68.0%
-1.7% YoY
 26th in tier
AMR $32,938
+1.2% YoY-1.0% QoQ
 +$4K $29,172
+2.8% YoY
 $17,515
+1.3% YoY
 $19,418
+1.3% YoY
 Top 23.0% in tier
CD Concentration 27.6%
-4.2% YoY-2.5% QoQ
 -1.4% 29.0%
+0.8% YoY
 20.9%
+7.1% YoY
 19.6%
+6.2% YoY
 45th in tier
Indirect Auto % 26.0%
-8.4% YoY-0.1% QoQ
 +7.2% 18.8%
-2.8% YoY
 7.2%
-0.2% YoY
 7.9%
-2.9% YoY
 69th in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#244 of 264 • Top 33.7% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 1.20%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Relationship Depth Leader

growth
#263 of 264 • Top 36.3% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 1.20%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $1.8K
(Tier: $3.1K, National: $2.0K)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Concerns (5)

Flatlined Growth

risk
#3 of 18 • Bottom 5.7% in tier

Asset growth has flattened despite healthy profitability. May indicate a need to reassess growth strategy.

Why This Signature
Total Assets: $2.66B
(Tier: $1.72B, National: $547.69M)
but better than tier avg
Asset Growth (YoY): 0.21%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Return on Assets: 0.38%
(Tier: 0.71%, National: 0.71%)
worse than tier avg
18 of 380 Mid-Market CUs have this signature | 82 nationally
→ Stable (18→18 CUs) | New qualifier

Institutional Decline

decline
#8 of 31 • Bottom 6.9% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $2.66B
(Tier: $1.72B, National: $547.69M)
but better than tier avg
Member Growth (YoY): -4.17%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -5.55%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
31 of 380 Mid-Market CUs have this signature | 293 nationally
↓ Shrinking -6 CUs YoY | New qualifier

Membership Headwinds

decline
#27 of 85 • Bottom 10.9% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -4.17%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY | New qualifier

Stagnation Risk

risk
#35 of 85 • Bottom 14.2% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.38%
(Tier: 0.71%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -4.17%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $32.9K
(Tier: $29.2K, National: $19.4K)
but better than tier avg
CD Concentration: 27.59%
(Tier: 28.98%, National: 19.60%)
but better than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#143 of 202 • Bottom 23.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 0.21%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Indirect Auto %: 25.99%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -4.17%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank worsening

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 304 peers in tier

Top Strengths (5 metrics)

17
Total Deposits
balance_sheet
Value: $2.32B
Peer Avg: $1.45B
#17 of 304 Top 5.3% in 1B-3B tier
23
Total Assets
balance_sheet
Value: $2.66B
Peer Avg: $1.72B
#23 of 304 Top 7.2% in 1B-3B tier
46
Total Loans
balance_sheet
Value: $1.79B
Peer Avg: $1.23B
#46 of 304 Top 14.8% in 1B-3B tier
70
Average Member Relationship (AMR)
engagement
Value: $32,938
Peer Avg: $29,172
#70 of 304 Top 22.7% in 1B-3B tier
72
Total Members
engagement
Value: 124,883
Peer Avg: 98,678
#72 of 304 Top 23.4% in 1B-3B tier

Top Weaknesses (7 metrics)

281
Loan Growth Rate
growth
Value: -5.55%
Peer Avg: 5.27%
#281 of 304 Bottom 7.9% in 1B-3B tier
278
Member Growth Rate
growth
Value: -4.17%
Peer Avg: 2.20%
#278 of 304 Bottom 8.9% in 1B-3B tier
269
Deposit Growth Rate
growth
Value: -0.98%
Peer Avg: 5.58%
#269 of 304 Bottom 11.8% in 1B-3B tier
256
Members Per Employee (MPE)
engagement
Value: 286.429
Peer Avg: 364.953
#256 of 304 Bottom 16.1% in 1B-3B tier
246
First Mortgage Concentration (%)
balance_sheet
Value: 45.81%
Peer Avg: 34.01%
#246 of 304 Bottom 19.4% in 1B-3B tier
244
Asset Growth Rate
growth
Value: 0.21%
Peer Avg: 4.83%
#244 of 304 Bottom 20.1% in 1B-3B tier
239
Return on Assets (ROA)
profitability
Value: 0.38%
Peer Avg: 0.70%
#239 of 304 Bottom 21.7% in 1B-3B tier