BlastPoint's Credit Union Scorecard
JACOM
Charter #63589 · CA
JACOM has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Loan Growth Rate: Top 0.6% in tier
- + Members Per Employee (MPE): Top 0.7% in tier
- + Total Members: Top 3.7% in tier
- + AMR Growth Rate: Top 4.3% in tier
Key Concerns
Areas that may need attention
- - ROA 1.32% below tier average
- - Efficiency ratio 15.88% above tier (higher cost structure)
- - First Mortgage Concentration (%): Bottom 1.2% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 85 that size in California.
- Shares and deposits -3.1% year over year ($45.9M in shares and deposits).
- Membership: 7,731 members, -1.6% vs a year ago.
- Delinquency rate 0.06%.
- Return on assets 0.17%.
- Efficiency ratio 104.65% vs a 88.77% peer average.
- Loan-to-share ratio 50.60% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,731
-1.6% YoY-0.3% QoQ
|
+5.1K |
2,585
-1.7% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
Top 3.7% in tier |
| Assets |
$54.1M
-2.2% YoY-1.5% QoQ
|
+$23.8M |
$30.3M
+1.5% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
79% |
| Loans |
$23.2M
+80.4% YoY+10.2% QoQ
|
+$7.8M |
$15.5M
-1.7% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
76% |
| Deposits |
$45.9M
-3.1% YoY-1.6% QoQ
|
+$20.1M |
$25.8M
+1.1% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
79% |
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| ROA |
0.2%
-115.5% YoY-155.7% QoQ
|
-1.3% |
1.5%
+241.5% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
Bottom 10.8% in tier |
| NIM |
3.0%
+59.8% YoY+2.0% QoQ
|
-0.9% |
3.9%
+0.9% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
18% |
| Efficiency Ratio |
104.6%
-29.5% YoY-3.8% QoQ
|
+15.9% |
88.8%
-6.9% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
Bottom 10.8% in tier |
| Delinquency Rate |
0.1%
-65.1% YoY+10.3% QoQ
|
-1.5 |
1.5%
+2.1% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
17% |
| Loan To Share |
50.6%
+86.2% YoY+11.9% QoQ
|
-8.3% |
58.9%
-3.1% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
37% |
| AMR |
$8,945
+16.6% YoY+2.4% QoQ
|
$-6K |
$14,963
-6.8% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
22% |
| CD Concentration |
14.7%
+8.9% YoY+4.4% QoQ
|
-9.9% | 24.6% | 22.2% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 9.2% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)