JONES METHODIST CHURCH
Charter #64892 | CA
<100M
(2596 CUs)
Micro
($0-$500M)
92 <100M in CA
JONES METHODIST CHURCH has 4 strengths but faces 16 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 2.4% in tier
- + Asset Growth Rate: Top 4.2% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 1.56% below tier average
- - Member decline: -3.1% YoY
- - Efficiency Ratio: Bottom 0.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 0.0% in tier
- - Indirect Auto Concentration (%): Bottom 0.0% in tier
- - First Mortgage Concentration (%): Bottom 0.0% in tier
- - Net Interest Margin (NIM): Bottom 0.3% in tier
- - Loan-to-Share Ratio: Bottom 0.5% in tier
- - Loan-to-Member Ratio (LMR): Bottom 0.5% in tier
- - Total Loans: Bottom 0.5% in tier
- - Fee Income Per Member: Bottom 0.7% in tier
- - Loan Growth Rate: Bottom 0.9% in tier
- - Average Member Relationship (AMR): Bottom 1.0% in tier
- - Total Assets: Bottom 1.5% in tier
- - Total Deposits: Bottom 1.9% in tier
- - Total Members: Bottom 6.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
254
-3.1% YoY-2.7% QoQ
|
-2.4K |
2,625
-2.2% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
Bottom 6.4% in tier |
| Assets |
$270,667
+13.5% YoY-2.7% QoQ
|
$-29.6M |
$29.9M
+1.1% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 1.5% in tier |
| Loans |
$0.0
-100.0% YoY-100.0% QoQ
|
$-15.8M |
$15.8M
-2.4% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 0.0% in tier |
| Deposits |
$220,805
+18.2% YoY-3.7% QoQ
|
$-25.2M |
$25.5M
+0.4% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
Bottom 1.9% in tier |
| ROA |
-0.9%
+17.9% YoY-49.1% QoQ
|
-1.6% |
0.7%
-731.4% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 6.0% in tier |
| NIM |
0.3%
-34.4% YoY+50.0% QoQ
|
-3.6% |
3.9%
+3.8% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
Bottom 0.2% in tier |
| Efficiency Ratio | - | - |
81.4%
-2.4% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
- |
| Delinquency Rate | - | - |
1.5%
-2.0% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
- |
| Loan To Share |
0.0%
-100.0% YoY-100.0% QoQ
|
-61.2% |
61.2%
-3.0% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
Bottom 0.0% in tier |
| AMR |
$869.3
+9.1% YoY-1.3% QoQ
|
$-14K |
$14,627
-2.7% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
Bottom 0.9% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | - | - |
14.0%
-5.8% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
- |
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 (5 metrics)
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
64
Deposit Growth Rate
growth
Value:
18.16%
Peer Avg: 16.80%
#64 of 2596
Top 2.4% in <100M tier
111
Asset Growth Rate
growth
Value:
13.50%
Peer Avg: 1.82%
#111 of 2596
Top 4.2% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
285
AMR Growth Rate
growth
Value:
9.11%
Peer Avg: 4.67%
#285 of 2596
Top 10.9% in <100M tier
Top Weaknesses (15 metrics)
2596
Efficiency Ratio
profitability
Value:
-
Peer Avg: 81.39%
#2596 of 2596
Bottom 0.0% in <100M tier
2596
Total Delinquency Rate (60+ days)
risk
Value:
-
Peer Avg: 1.51%
#2596 of 2596
Bottom 0.0% in <100M tier
2596
Indirect Auto Concentration (%)
balance_sheet
Value:
-
Peer Avg: 2.84%
#2596 of 2596
Bottom 0.0% in <100M tier
2596
First Mortgage Concentration (%)
balance_sheet
Value:
-
Peer Avg: 14.49%
#2596 of 2596
Bottom 0.0% in <100M tier
2590
Net Interest Margin (NIM)
profitability
Value:
0.34%
Peer Avg: 3.93%
#2590 of 2596
Bottom 0.3% in <100M tier
2584
Loan-to-Share Ratio
balance_sheet
Value:
0.00%
Peer Avg: 61.23%
#2584 of 2596
Bottom 0.5% in <100M tier
2584
Loan-to-Member Ratio (LMR)
engagement
Value:
$0.00
Peer Avg: $5,488
#2584 of 2596
Bottom 0.5% in <100M tier
2584
Total Loans
balance_sheet
Value:
$0.00
Peer Avg: $15.77M
#2584 of 2596
Bottom 0.5% in <100M tier
2580
Fee Income Per Member
profitability
Value:
$-3.94
Peer Avg: $182.96
#2580 of 2596
Bottom 0.7% in <100M tier
2573
Loan Growth Rate
growth
Value:
-100.00%
Peer Avg: 59.01%
#2573 of 2596
Bottom 0.9% in <100M tier