JETSTREAM

Charter #24718 | FL

100M-500M (1077 CUs) Micro
35 100M-500M in FL

JETSTREAM has 11 strengths but faces 1 concern

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 1.6% in tier
  • + Relationship Depth Leader: Top 2.6% in tier
  • + Organic Growth Engine: Top 24.1% in tier
  • + Organic Growth Leader: Top 30.8% in tier
  • + ROA 0.09% above tier average
  • + Net Interest Margin 0.60% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Loan Growth Rate: Top 1.9% in tier
  • + AMR Growth Rate: Top 3.2% in tier
  • + Loan-to-Share Ratio: Top 5.4% in tier
  • + Loan-to-Member Ratio (LMR): Top 8.0% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 3.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Members 14,181
+0.7% YoY+0.3% QoQ
 -1.4K 15,628
-3.4% YoY
 69,671
+4.3% YoY
 33,089
+6.1% YoY
 53rd in tier
Assets $269.7M
-0.9% YoY+1.6% QoQ
 +$38.4M $231.3M
-0.0% YoY
 $1.1B
+3.8% YoY
 $547.7M
+7.8% YoY
 68th in tier
Loans $226.6M
+28.8% YoY+3.7% QoQ
 +$78.9M $147.8M
-1.4% YoY
 $773.4M
+7.4% YoY
 $388.7M
+8.6% YoY
 Top 18.6% in tier
Deposits $233.3M
+5.1% YoY+1.7% QoQ
 +$33.0M $200.3M
-0.0% YoY
 $908.2M
+6.5% YoY
 $464.6M
+9.3% YoY
 67th in tier
ROA 0.9%
+44.7% YoY-9.7% QoQ
 +0.1% 0.8%
+15.5% YoY
 0.6%
+15.9% YoY
 0.7%
+273.4% YoY
 58th in tier
NIM 4.2%
+24.7% YoY+1.4% QoQ
 +0.6% 3.6%
+6.9% YoY
 3.6%
+6.7% YoY
 3.7%
+5.0% YoY
 Top 17.6% in tier
Efficiency Ratio 77.1%
-3.1% YoY-0.6% QoQ
 -0.2% 77.3%
-3.0% YoY
 79.0%
+0.0% YoY
 79.1%
-3.3% YoY
 50th in tier
Delinquency Rate 0.3%
-1.8% YoY+28.0% QoQ
 -0.6 0.9%
+7.6% YoY
 0.7%
+3.1% YoY
 1.2%
-0.9% YoY
 Bottom 18.5% in tier
Loan To Share 97.1%
+22.5% YoY+2.0% QoQ
 +24.4% 72.7%
-1.5% YoY
 71.2%
+0.4% YoY
 68.0%
-1.7% YoY
 Top 5.5% in tier
AMR $32,434
+14.8% YoY+2.4% QoQ
 +$8K $24,363
+2.9% YoY
 $22,283
+3.7% YoY
 $19,418
+1.3% YoY
 Top 12.3% in tier
CD Concentration 30.6%
+9.3% YoY+4.8% QoQ
 +6.2% 24.4%
+4.2% YoY
 23.4%
+4.5% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 10.9%
-1.4% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (4)

Wallet Share Momentum

growth
#45 of 1006 • Top 1.6% in tier

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

Why This Signature
AMR Growth (YoY): 14.82%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Relationship Depth Leader

growth
#72 of 1006 • Top 2.6% in tier

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

Why This Signature
AMR Growth (YoY): 14.82%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.0K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Organic Growth Engine

growth
#443 of 603 • Top 24.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 0.70%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
Return on Assets: 0.88%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 0.00%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Organic Growth Leader

growth
#406 of 430 • Top 30.8% in tier

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

Why This Signature
Member Growth (YoY): 0.70%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | New qualifier

Concerns (1)

Liquidity Strain

risk
#31 of 258 • Bottom 3.9% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 97.15%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 28.83%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
258 of 1077 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | 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)

Comparing against 1077 peers in tier

Top Strengths (10 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
21
Loan Growth Rate
growth
Value: 28.83%
Peer Avg: 3.45%
#21 of 1077 Top 1.9% in 100M-500M tier
36
AMR Growth Rate
growth
Value: 14.82%
Peer Avg: 3.64%
#36 of 1077 Top 3.2% in 100M-500M tier
59
Loan-to-Share Ratio
balance_sheet
Value: 97.15%
Peer Avg: 72.70%
#59 of 1077 Top 5.4% in 100M-500M tier
87
Loan-to-Member Ratio (LMR)
engagement
Value: $15,983
Peer Avg: $10,245
#87 of 1077 Top 8.0% in 100M-500M tier
133
Average Member Relationship (AMR)
engagement
Value: $32,434
Peer Avg: $24,363
#133 of 1077 Top 12.3% in 100M-500M tier
144
Fee Income Per Member
profitability
Value: $250.58
Peer Avg: $174.31
#144 of 1077 Top 13.3% in 100M-500M tier
190
Net Interest Margin (NIM)
profitability
Value: 4.18%
Peer Avg: 3.58%
#190 of 1077 Top 17.5% in 100M-500M tier
200
Total Delinquency Rate (60+ days)
risk
Value: 0.30%
Peer Avg: 0.86%
#200 of 1077 Top 18.5% in 100M-500M tier
200
Total Loans
balance_sheet
Value: $226.65M
Peer Avg: $147.80M
#200 of 1077 Top 18.5% in 100M-500M tier

Top Weaknesses (2 metrics)

964
Members Per Employee (MPE)
engagement
Value: 228.726
Peer Avg: 332.881
#964 of 1077 Bottom 10.6% in 100M-500M tier
925
Asset Growth Rate
growth
Value: -0.92%
Peer Avg: 4.70%
#925 of 1077 Bottom 14.2% in 100M-500M tier