JOVIA FINANCIAL

Charter #2760 | NY

3B-5B (76 CUs) Mid-Market (380 CUs)
4 3B-5B in NY

JOVIA FINANCIAL faces 5 concerns requiring attention

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

  • - Shrinking Wallet Share: Bottom 23.4% in tier
  • - Credit Quality Pressure: Bottom 25.5% in tier
  • - Liquidity Strain: Bottom 34.5% in tier
  • - ROA 0.11% below tier average
  • - Delinquency rate 0.37% above tier average

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Members 239,440
+0.5% YoY-0.7% QoQ
 +974 238,465
+0.6% YoY
 25,964
+5.4% YoY
 33,089
+6.1% YoY
 57th in tier
Assets $4.5B
-2.6% YoY-1.3% QoQ
 +$504.0M $4.0B
-0.1% YoY
 $471.3M
+6.4% YoY
 $547.7M
+7.8% YoY
 Top 25.0% in tier
Loans $3.6B
-1.2% YoY-0.5% QoQ
 +$603.0M $3.0B
+3.3% YoY
 $316.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 Top 14.5% in tier
Deposits $4.0B
-0.4% YoY-1.2% QoQ
 +$656.3M $3.3B
+1.1% YoY
 $400.0M
+7.6% YoY
 $464.6M
+9.3% YoY
 Top 11.8% in tier
ROA 0.6%
+72.0% YoY+7.4% QoQ
 -0.1% 0.7%
+5.3% YoY
 0.9%
+294.0% YoY
 0.7%
+273.4% YoY
 36th in tier
NIM 2.9%
+12.6% YoY+2.8% QoQ
 -0.3% 3.2%
+13.7% YoY
 3.6%
+5.0% YoY
 3.7%
+5.0% YoY
 33rd in tier
Efficiency Ratio 66.4%
-9.3% YoY-2.3% QoQ
 -4.9% 71.3%
-0.6% YoY
 80.1%
-6.2% YoY
 79.1%
-3.3% YoY
 34th in tier
Delinquency Rate 1.2%
+1.5% YoY-4.1% QoQ
 +0.4 0.8%
+15.9% YoY
 1.7%
-8.3% YoY
 1.2%
-0.9% YoY
 Top 17.1% in tier
Loan To Share 90.8%
-0.8% YoY+0.7% QoQ
 -0.1% 90.8%
+2.0% YoY
 61.5%
-2.3% YoY
 68.0%
-1.7% YoY
 42nd in tier
AMR $31,788
-1.2% YoY-0.2% QoQ
 +$3K $29,088
+0.1% YoY
 $19,040
-21.7% YoY
 $19,418
+1.3% YoY
 74th in tier
CD Concentration 43.3%
-0.5% YoY+2.7% QoQ
 +14.3% 29.0%
+0.8% YoY
 15.9%
+8.4% YoY
 19.6%
+6.2% YoY
 Top 7.1% in tier
Indirect Auto % 9.9%
-19.5% YoY-6.6% QoQ
 -8.9% 18.8%
-2.8% YoY
 2.6%
-3.7% YoY
 7.9%
-2.9% YoY
 34th in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (3)

Shrinking Wallet Share

decline
#72 of 83 • Bottom 23.4% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -1.24%
(Tier: 3.04%, National: 4.19%)
worse than tier avg
83 of 380 Mid-Market CUs have this signature | 346 nationally
↓ Shrinking -55 CUs YoY | Rank improving

Credit Quality Pressure

risk
#196 of 217 • Bottom 25.5% in tier

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

Why This Signature
Delinquency Change (YoY): 0.02% points
(Tier: 0.07% points, National: 0.07% points)
but better than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank worsening

Liquidity Strain

risk
#182 of 183 • Bottom 34.5% in tier

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

Why This Signature
Loan-to-Share Ratio: 90.79%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): -1.15%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 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 76 peers in tier

Top Strengths (4 metrics)

9
Total Deposits
balance_sheet
Value: $3.99B
Peer Avg: $3.33B
#9 of 76 Top 10.5% in 3B-5B tier
11
Total Loans
balance_sheet
Value: $3.62B
Peer Avg: $3.02B
#11 of 76 Top 13.2% in 3B-5B tier
19
Total Assets
balance_sheet
Value: $4.47B
Peer Avg: $3.97B
#19 of 76 Top 23.7% in 3B-5B tier
20
Average Member Relationship (AMR)
engagement
Value: $31,788
Peer Avg: $29,088
#20 of 76 Top 25.0% in 3B-5B tier

Top Weaknesses (8 metrics)

68
Asset Growth Rate
growth
Value: -2.64%
Peer Avg: 7.42%
#68 of 76 Bottom 11.8% in 3B-5B tier
68
Loan Growth Rate
growth
Value: -1.15%
Peer Avg: 9.56%
#68 of 76 Bottom 11.8% in 3B-5B tier
67
Share Certificate Concentration (%)
balance_sheet
Value: 43.28%
Peer Avg: 30.70%
#67 of 76 Bottom 13.2% in 3B-5B tier
66
Fee Income Per Member
profitability
Value: $107.10
Peer Avg: $191.96
#66 of 76 Bottom 14.5% in 3B-5B tier
65
Deposit Growth Rate
growth
Value: -0.39%
Peer Avg: 8.84%
#65 of 76 Bottom 15.8% in 3B-5B tier
64
Total Delinquency Rate (60+ days)
risk
Value: 1.22%
Peer Avg: 0.84%
#64 of 76 Bottom 17.1% in 3B-5B tier
63
Member Growth Rate
growth
Value: 0.49%
Peer Avg: 7.02%
#63 of 76 Bottom 18.4% in 3B-5B tier
59
AMR Growth Rate
growth
Value: -1.24%
Peer Avg: 2.07%
#59 of 76 Bottom 23.7% in 3B-5B tier