JACOM
Charter #63589 | CA
<100M
(2596 CUs)
Micro
($0-$500M)
92 <100M in 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 0.7% in tier
- + Members Per Employee (MPE): Top 1.1% in tier
- + Total Members: Top 4.0% in tier
- + Net Charge-Off Rate: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - ROA 1.73% below tier average
- - Efficiency ratio 64.39% above tier (higher cost structure)
- - First Mortgage Concentration (%): Bottom 3.2% in tier
- - Net Interest Margin (NIM): Bottom 3.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,844
-1.8% YoY-0.2% QoQ
|
+5.2K |
2,625
-2.2% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
Top 4.1% in tier |
| Assets |
$54.9M
-2.8% YoY-0.6% QoQ
|
+$25.1M |
$29.9M
+1.1% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
Top 19.9% in tier |
| Loans |
$17.2M
+40.6% YoY+33.6% QoQ
|
+$1.4M |
$15.8M
-2.4% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
65th in tier |
| Deposits |
$47.0M
-3.1% YoY-0.7% QoQ
|
+$21.6M |
$25.5M
+0.4% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
Top 19.9% in tier |
| ROA |
-1.1%
+18.2% YoY-2.6% QoQ
|
-1.7% |
0.7%
-731.4% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 5.4% in tier |
| NIM |
2.0%
+1.0% YoY+3.1% QoQ
|
-2.0% |
3.9%
+3.8% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
Bottom 3.4% in tier |
| Efficiency Ratio |
145.8%
+4.4% YoY-1.8% QoQ
|
+64.4% |
81.4%
-2.4% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 2.7% in tier |
| Delinquency Rate |
0.1%
-58.8% YoY-28.1% QoQ
|
-1.4 |
1.5%
-2.0% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
Bottom 22.8% in tier |
| Loan To Share |
36.6%
+45.2% YoY+34.6% QoQ
|
-24.6% |
61.2%
-3.0% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
Bottom 15.7% in tier |
| AMR |
$8,191
+7.6% YoY+6.8% QoQ
|
$-6K |
$14,627
-2.7% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
Bottom 20.3% in tier |
| CD Concentration |
13.5%
+4.7% YoY-0.1% QoQ
|
-10.9% |
24.4%
+4.2% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (9 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
18
Loan Growth Rate
growth
Value:
40.63%
Peer Avg: 59.01%
#18 of 2596
Top 0.7% in <100M tier
30
Members Per Employee (MPE)
engagement
Value:
980.500
Peer Avg: 365.701
#30 of 2596
Top 1.1% in <100M tier
106
Total Members
engagement
Value:
7,844
Peer Avg: 2,626
#106 of 2596
Top 4.0% in <100M tier
239
Net Charge-Off Rate
risk
Value:
-0.00%
Peer Avg: 0.57%
#239 of 2596
Top 9.2% in <100M tier
399
AMR Growth Rate
growth
Value:
7.58%
Peer Avg: 4.67%
#399 of 2596
Top 15.3% in <100M tier
517
Total Assets
balance_sheet
Value:
$54.94M
Peer Avg: $29.86M
#517 of 2596
Top 19.9% in <100M tier
517
Total Deposits
balance_sheet
Value:
$47.04M
Peer Avg: $25.45M
#517 of 2596
Top 19.9% in <100M tier
592
Total Delinquency Rate (60+ days)
risk
Value:
0.13%
Peer Avg: 1.51%
#592 of 2596
Top 22.8% in <100M tier
Top Weaknesses (8 metrics)
2528
Efficiency Ratio
profitability
Value:
145.78%
Peer Avg: 81.39%
#2528 of 2596
Bottom 2.7% in <100M tier
2513
First Mortgage Concentration (%)
balance_sheet
Value:
62.32%
Peer Avg: 14.49%
#2513 of 2596
Bottom 3.2% in <100M tier
2508
Net Interest Margin (NIM)
profitability
Value:
1.96%
Peer Avg: 3.93%
#2508 of 2596
Bottom 3.4% in <100M tier
2457
Return on Assets (ROA)
profitability
Value:
-1.05%
Peer Avg: 0.68%
#2457 of 2596
Bottom 5.4% in <100M tier
2206
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,194
Peer Avg: $5,488
#2206 of 2596
Bottom 15.1% in <100M tier
2185
Loan-to-Share Ratio
balance_sheet
Value:
36.59%
Peer Avg: 61.23%
#2185 of 2596
Bottom 15.9% in <100M tier
2070
Average Member Relationship (AMR)
engagement
Value:
$8,191
Peer Avg: $14,627
#2070 of 2596
Bottom 20.3% in <100M tier
2013
Asset Growth Rate
growth
Value:
-2.77%
Peer Avg: 1.82%
#2013 of 2596
Bottom 22.5% in <100M tier