BlastPoint's Credit Union Scorecard
JEFFERSON CREDIT UNION
Charter #63834 · AL
JEFFERSON CREDIT UNION has 6 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.18% above tier average
- + Total Deposits: Top 2.3% in tier
- + Total Members: Top 3.1% in tier
- + Total Assets: Top 3.4% in tier
- + Total Loans: Top 6.4% in tier
- + Fee Income Per Member: Top 6.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.65% below tier average
- - Member decline: -3.9% YoY
- - Indirect Auto Concentration (%): Bottom 8.0% 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 52 that size in Alabama.
- Shares and deposits -7.2% year over year ($80.9M in shares and deposits).
- Membership: 8,095 members, -3.9% vs a year ago.
- Delinquency rate 1.38%.
- Return on assets 0.84%.
- Efficiency ratio 80.22% vs a 88.77% peer average.
- Loan-to-share ratio 58.13% 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 (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,095
-3.9% YoY0% QoQ
|
+5.5K |
2,585
-1.7% YoY
|
28,281
-1.7% YoY
|
34,678
+6.6% YoY
|
Top 3.1% in tier |
| Assets |
$91.4M
-4.8% YoY-0.8% QoQ
|
+$61.1M |
$30.3M
+1.5% YoY
|
$459.0M
+7.0% YoY
|
$593.1M
+10.2% YoY
|
Top 3.4% in tier |
| Loans |
$47.0M
-11.8% YoY-4.0% QoQ
|
+$31.6M |
$15.5M
-1.7% YoY
|
$266.3M
+5.7% YoY
|
$418.6M
+10.1% YoY
|
Top 6.4% in tier |
| Deposits |
$80.9M
-7.2% YoY-1.4% QoQ
|
+$55.1M |
$25.8M
+1.1% YoY
|
$400.1M
+6.1% YoY
|
$504.8M
+10.3% YoY
|
Top 2.3% in tier |
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| ROA |
0.8%
+3.4% YoY+16.0% QoQ
|
-0.6% |
1.5%
+241.5% YoY
|
1.1%
+39.6% YoY
|
1.2%
+121.4% YoY
|
52% |
| NIM |
4.1%
+7.3% YoY+0.6% QoQ
|
+0.2% |
3.9%
+0.9% YoY
|
3.7%
+1.1% YoY
|
3.8%
+2.3% YoY
|
60% |
| Efficiency Ratio |
80.2%
-5.9% YoY+5.4% QoQ
|
-8.5% |
88.8%
-6.9% YoY
|
82.1%
+5.7% YoY
|
83.0%
-5.3% YoY
|
49% |
| Delinquency Rate |
1.4%
-36.1% YoY+0.1% QoQ
|
-0.2 |
1.5%
+2.1% YoY
|
1.4%
-5.8% YoY
|
1.3%
+2.6% YoY
|
70% |
| Loan To Share |
58.1%
-5.0% YoY-2.7% QoQ
|
-0.8% |
58.9%
-3.1% YoY
|
59.3%
-1.7% YoY
|
66.4%
-1.4% YoY
|
49% |
| AMR |
$15,806
-5.2% YoY-2.4% QoQ
|
+$843 |
$14,963
-6.8% YoY
|
$17,701
+4.0% YoY
|
$20,028
-0.9% YoY
|
59% |
| CD Concentration |
22.2%
-19.3% YoY-1.8% QoQ
|
-2.4% | 24.6% | 21.8% | 20.0% | 50% |
| Indirect Auto % |
11.8%
-30.3% YoY-6.2% QoQ
|
-1.9% | 13.6% | 5.2% | 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)