BlastPoint's Credit Union Scorecard

JM ASSOCIATES

Charter #23709 · FL

100M-500M

1069 CUs in 100M-500M nationally 35 in FL

JM ASSOCIATES has 3 strengths but faces 6 concerns

National Analysis

How does the industry compare?

FL Analysis

How does FL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Net Interest Margin 0.34% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- ROA 0.48% below tier average
- Efficiency ratio 6.34% above tier (higher cost structure)
- Asset Growth Rate: Bottom 8.3% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Members	8,839 +3.0% YoY+0.4% QoQ	-6.6K	15,437 -2.9% YoY	72,012 +7.1% YoY	33,374 +5.7% YoY	22%
Assets	$148.0M -2.1% YoY+2.8% QoQ	$-83.8M	$231.9M +1.3% YoY	$1.1B +9.4% YoY	$561.6M +9.7% YoY	30%
Loans	$99.7M +4.4% YoY+0.6% QoQ	$-47.6M	$147.3M -0.1% YoY	$808.5M +10.5% YoY	$397.0M +8.8% YoY	35%
Deposits	$128.5M +1.1% YoY+2.9% QoQ	$-72.3M	$200.8M +0.8% YoY	$948.9M +9.7% YoY	$477.3M +9.7% YoY	30%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.3% +39.6% YoY+1.5% QoQ	-0.5%	0.8% +18.2% YoY	0.6% +16.0% YoY	0.7% +15.9% YoY	17%
NIM	3.9% +15.7% YoY+1.8% QoQ	+0.3%	3.6% +6.7% YoY	3.6% +4.0% YoY	3.8% +5.1% YoY	69%
Efficiency Ratio	83.4% -2.5% YoY+0.9% QoQ	+6.3%	77.0% -3.1% YoY	77.7% -2.7% YoY	79.7% -3.3% YoY	73%
Delinquency Rate	0.8% +46.3% YoY-26.8% QoQ	-0.1	0.9% +4.2% YoY	0.7% +7.1% YoY	1.3% -2.1% YoY	54%
Loan To Share	77.6% +3.3% YoY-2.3% QoQ	+5.4%	72.2% -1.1% YoY	71.1% +0.4% YoY	67.4% -1.7% YoY	57%
AMR	$25,822 -0.5% YoY+1.6% QoQ	+$1K	$24,676 +3.4% YoY	$22,519 +3.6% YoY	$19,687 +2.0% YoY	67%
CD Concentration	21.8% +2.0% YoY-2.4% QoQ	-2.7%	24.4%	24.1%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	10.8%	7.8%	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#186 of 426 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.99%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Organic Growth Engine

growth

#398 of 595 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.99%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.28%

(Tier: 0.75%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Concerns (3)

Credit Quality Pressure

risk

#309 of 705 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.24% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

Efficiency Drag

risk

#262 of 538 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 83.36%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.08% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): 2.99%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank worsening

Credit Risk Growth

risk

#240 of 456 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 4.44%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.24% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.1% in 100M-500M tier

140

First Mortgage Concentration (%)

balance_sheet

Value: 10.51%

Peer Median: -

#140 of 1069 Top 13.0% in 100M-500M tier

146

Fee Income Per Member

profitability

Value: $250.57

Peer Median: -

#146 of 1069 Top 13.6% in 100M-500M tier

160

Net Worth Ratio

risk

Value: 15.03%

Peer Median: -

#160 of 1069 Top 14.9% in 100M-500M tier

218

Member Growth Rate

growth

Value: 2.99%

Peer Median: -

#218 of 1069 Top 20.3% in 100M-500M tier

Top Weaknesses (5 metrics)

981

Asset Growth Rate

growth

Value: -2.09%

Peer Median: -

#981 of 1069 Bottom 8.3% in 100M-500M tier

895

AMR Growth Rate

growth

Value: -0.45%

Peer Median: -

#895 of 1069 Bottom 16.4% in 100M-500M tier

891

Return on Assets (ROA)

profitability

Value: 0.28%

Peer Median: -

#891 of 1069 Bottom 16.7% in 100M-500M tier

830

Total Members

engagement

Value: 8,839

Peer Median: -

#830 of 1069 Bottom 22.5% in 100M-500M tier

819

Deposit Growth Rate

growth

Value: 1.10%

Peer Median: -

#819 of 1069 Bottom 23.5% in 100M-500M tier