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 3.8% in tier
- + AMR Growth Rate: Top 4.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.45% below tier average
- - Efficiency ratio 18.14% above tier (higher cost structure)
- - First Mortgage Concentration (%): Bottom 1.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,757
-1.8% YoY-0.5% QoQ
|
+5.1K |
2,676
+1.6% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
Top 3.8% in tier |
| Assets |
$54.9M
+0.3% YoY-0.3% QoQ
|
+$24.7M |
$30.2M
+1.3% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
80% |
| Loans |
$21.1M
+58.8% YoY+2.7% QoQ
|
+$5.8M |
$15.3M
-2.0% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
72% |
| Deposits |
$46.7M
-0.8% YoY-0.4% QoQ
|
+$20.9M |
$25.8M
+0.7% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
80% |
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| ROA |
-0.3%
-73.3% YoY-67.5% QoQ
|
-0.4% |
0.1%
-77.6% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
16% |
| NIM |
3.0%
+59.7% YoY+40.7% QoQ
|
-1.0% |
4.0%
+4.0% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
18% |
| Efficiency Ratio |
108.8%
-28.4% YoY-20.9% QoQ
|
+18.1% |
90.6%
+6.5% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
Bottom 10.1% in tier |
| Delinquency Rate |
0.1%
-67.2% YoY-44.9% QoQ
|
-1.4 |
1.5%
+3.8% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
18% |
| Loan To Share |
45.2%
+60.0% YoY+3.2% QoQ
|
-13.3% |
58.5%
-3.0% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
29% |
| AMR |
$8,734
+14.4% YoY+1.0% QoQ
|
$-6K |
$14,884
-1.7% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
22% |
| CD Concentration |
14.1%
+9.9% YoY+2.9% QoQ
|
-10.2% | 24.3% | 21.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.0% | 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)