BlastPoint's Credit Union Scorecard
JACOM
Charter #63589 · CA
JACOM has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 0.5% in tier
- + Members Per Employee (MPE): Top 0.6% in tier
- + Total Members: Top 4.0% in tier
- + AMR Growth Rate: Top 4.9% in tier
Key Concerns
Areas that may need attention
- - ROA 1.55% below tier average
- - Efficiency ratio 54.99% above tier (higher cost structure)
- - First Mortgage Concentration (%): Bottom 2.2% in tier
- - Net Interest Margin (NIM): Bottom 4.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,795
-1.8% YoY-0.6% QoQ
|
+5.2K |
2,615
-1.9% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
Top 4.0% in tier |
| Assets |
$55.0M
-0.5% YoY+0.1% QoQ
|
+$24.9M |
$30.1M
+2.1% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
80% |
| Loans |
$20.5M
+65.8% YoY+19.3% QoQ
|
+$4.8M |
$15.8M
-1.3% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
71% |
| Deposits |
$46.9M
-1.6% YoY-0.4% QoQ
|
+$21.2M |
$25.7M
+1.4% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
80% |
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| ROA |
-0.9%
-0.3% YoY-12.1% QoQ
|
-1.5% |
0.6%
+10.8% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 6.2% in tier |
| NIM |
2.1%
+9.0% YoY+8.0% QoQ
|
-1.8% |
4.0%
+4.0% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 4.6% in tier |
| Efficiency Ratio |
137.5%
-2.5% YoY-5.6% QoQ
|
+55.0% |
82.6%
-2.3% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
Top 2.5% in tier |
| Delinquency Rate |
0.1%
+20.1% YoY-20.2% QoQ
|
-1.5 |
1.6%
-3.1% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
20% |
| Loan To Share |
43.8%
+68.4% YoY+19.8% QoQ
|
-16.8% |
60.6%
-3.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
24% |
| AMR |
$8,646
+14.3% YoY+5.5% QoQ
|
$-6K |
$14,783
-1.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
22% |
| CD Concentration |
13.7%
+5.9% YoY+1.5% QoQ
|
-10.8% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.2% | 7.8% | 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)