JUSTICE

Charter #151 | VA

1B-3B (304 CUs) Mid-Market (380 CUs)
8 1B-3B in VA

JUSTICE has 6 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 13.7% in tier
  • + Relationship Depth Leader: Top 14.8% in tier
  • + Emerging Performer: Top 31.2% in tier
  • + Organic Growth Engine: Top 33.2% in tier
  • + Organic Growth Leader: Top 35.0% in tier
  • + Net Interest Margin 0.24% above tier average

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 8.2% in tier
  • - Credit Quality Pressure: Bottom 18.4% in tier
  • - Liquidity Overhang: Bottom 23.7% in tier
  • - ROA 0.62% below tier average
  • - Efficiency ratio 11.10% above tier (higher cost structure)
  • - Delinquency rate 0.78% above tier average
  • - Fee Income Per Member: Bottom 6.6% in tier
  • - Total Delinquency Rate (60+ days): Bottom 8.6% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Members 69,541
+0.5% YoY+1.1% QoQ
 -29.1K 98,678
-1.9% YoY
 220,190
+7.3% YoY
 33,089
+6.1% YoY
 26th in tier
Assets $1.1B
+7.4% YoY+0.7% QoQ
 $-592.6M $1.7B
+0.5% YoY
 $2.9B
+6.5% YoY
 $547.7M
+7.8% YoY
 Bottom 13.8% in tier
Loans $766.4M
+0.1% YoY+0.6% QoQ
 $-466.7M $1.2B
+0.5% YoY
 $2.1B
+5.3% YoY
 $388.7M
+8.6% YoY
 Bottom 11.8% in tier
Deposits $991.5M
+11.4% YoY+0.5% QoQ
 $-462.8M $1.5B
+1.3% YoY
 $2.4B
+8.1% YoY
 $464.6M
+9.3% YoY
 Bottom 18.1% in tier
ROA 0.1%
-80.1% YoY+657.9% QoQ
 -0.6% 0.7%
+13.4% YoY
 0.7%
+11.3% YoY
 0.7%
+273.4% YoY
 Bottom 4.6% in tier
NIM 3.5%
-1.3% YoY+0.0% QoQ
 +0.2% 3.3%
+9.3% YoY
 3.9%
+2.0% YoY
 3.7%
+5.0% YoY
 66th in tier
Efficiency Ratio 85.1%
+7.1% YoY-1.9% QoQ
 +11.1% 74.0%
-10.9% YoY
 80.4%
+0.4% YoY
 79.1%
-3.3% YoY
 Top 8.9% in tier
Delinquency Rate 1.6%
+5.3% YoY-6.9% QoQ
 +0.8 0.8%
+6.1% YoY
 1.7%
+32.7% YoY
 1.2%
-0.9% YoY
 Top 8.6% in tier
Loan To Share 77.3%
-10.1% YoY+0.1% QoQ
 -7.9% 85.2%
-0.8% YoY
 66.7%
-4.2% YoY
 68.0%
-1.7% YoY
 26th in tier
AMR $25,279
+5.6% YoY-0.6% QoQ
 $-4K $29,172
+2.8% YoY
 $18,613
+1.9% YoY
 $19,418
+1.3% YoY
 36th in tier
CD Concentration 35.0%
+15.4% YoY+0.5% QoQ
 +6.0% 29.0%
+0.8% YoY
 18.8%
+3.1% YoY
 19.6%
+6.2% YoY
 Top 23.2% in tier
Indirect Auto % 0.6% -18.2% 18.8%
-2.8% YoY
 9.7%
-0.5% YoY
 7.9%
-2.9% YoY
 Bottom 15.6% in tier

Signature Analysis

Strengths (5)

Wallet Share Momentum

growth
#100 of 264 • Top 13.7% in tier

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

Why This Signature
AMR Growth (YoY): 5.65%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Relationship Depth Leader

growth
#108 of 264 • Top 14.8% in tier

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

Why This Signature
AMR Growth (YoY): 5.65%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.9K
(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

Emerging Performer

growth
#166 of 184 • Top 31.2% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.09%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): 0.51%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | Rank worsening

Organic Growth Engine

growth
#241 of 246 • Top 33.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 0.51%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
Return on Assets: 0.09%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 0.62%
(Tier: 18.80%, National: 7.90%)
better than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank worsening

Organic Growth Leader

growth
#138 of 138 • Top 35.0% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 0.51%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
138 of 380 Mid-Market CUs have this signature | 608 nationally
↑ Growing +11 CUs YoY | Rank worsening

Concerns (3)

Efficiency Drag

risk
#28 of 96 • Bottom 8.2% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 85.08%
(Tier: 73.45%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.35% points
(Tier: 0.07% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 0.51%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
96 of 380 Mid-Market CUs have this signature | 624 nationally
↓ Shrinking -32 CUs YoY | New qualifier

Credit Quality Pressure

risk
#142 of 217 • Bottom 18.4% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.08% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank improving

Liquidity Overhang

risk
#77 of 113 • Bottom 23.7% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 12.20%
(Tier: 11.30%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 77.29%
(Tier: 86.35%, National: 67.96%)
worse than tier avg
113 of 380 Mid-Market CUs have this signature | 691 nationally
↑ Growing +9 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 (3 metrics)

33
Deposit Growth Rate
growth
Value: 11.39%
Peer Avg: 5.58%
#33 of 304 Top 10.5% in 1B-3B tier
53
Indirect Auto Concentration (%)
balance_sheet
Value: 0.62%
Peer Avg: 18.32%
#53 of 304 Top 17.1% in 1B-3B tier
77
Asset Growth Rate
growth
Value: 7.41%
Peer Avg: 4.83%
#77 of 304 Top 25.0% in 1B-3B tier

Top Weaknesses (10 metrics)

290
Return on Assets (ROA)
profitability
Value: 0.09%
Peer Avg: 0.70%
#290 of 304 Bottom 4.9% in 1B-3B tier
285
Fee Income Per Member
profitability
Value: $111.54
Peer Avg: $210.52
#285 of 304 Bottom 6.6% in 1B-3B tier
279
Total Delinquency Rate (60+ days)
risk
Value: 1.60%
Peer Avg: 0.83%
#279 of 304 Bottom 8.6% in 1B-3B tier
278
Efficiency Ratio
profitability
Value: 85.08%
Peer Avg: 73.97%
#278 of 304 Bottom 8.9% in 1B-3B tier
268
Total Loans
balance_sheet
Value: $766.41M
Peer Avg: $1.23B
#268 of 304 Bottom 12.2% in 1B-3B tier
262
Total Assets
balance_sheet
Value: $1.13B
Peer Avg: $1.72B
#262 of 304 Bottom 14.1% in 1B-3B tier
259
First Mortgage Concentration (%)
balance_sheet
Value: 48.75%
Peer Avg: 34.01%
#259 of 304 Bottom 15.1% in 1B-3B tier
249
Total Deposits
balance_sheet
Value: $991.53M
Peer Avg: $1.45B
#249 of 304 Bottom 18.4% in 1B-3B tier
238
Share Certificate Concentration (%)
balance_sheet
Value: 34.97%
Peer Avg: 28.53%
#238 of 304 Bottom 22.0% in 1B-3B tier
234
Net Charge-Off Rate
risk
Value: 0.82%
Peer Avg: 0.60%
#234 of 304 Bottom 23.4% in 1B-3B tier