JACKSON RIVER COMMUNITY

Charter #66967 | VA

100M-500M (1077 CUs) Micro
25 100M-500M in VA

JACKSON RIVER COMMUNITY has 8 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 0.7% in tier
  • + Organic Growth Engine: Top 8.2% in tier
  • + Relationship Depth Leader: Top 17.1% in tier
  • + Wallet Share Momentum: Top 29.0% in tier
  • + ROA 1.29% above tier average
  • + Net Interest Margin 0.53% above tier average
  • + Efficiency Ratio: Top 3.7% in tier
  • + First Mortgage Concentration (%): Top 6.6% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 2.3% in tier
  • - Liquidity Overhang: Bottom 4.3% in tier
  • - Delinquency rate 1.08% above tier average
  • - Indirect Auto Concentration (%): Bottom 2.5% in tier
  • - Total Loans: Bottom 6.6% in tier
  • - Total Delinquency Rate (60+ days): Bottom 7.9% in tier
  • - Total Members: Bottom 9.1% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Members 6,771
+3.0% YoY+1.0% QoQ
 -8.9K 15,628
-3.4% YoY
 220,190
+7.3% YoY
 33,089
+6.1% YoY
 Bottom 9.0% in tier
Assets $123.3M
+7.0% YoY+0.5% QoQ
 $-108.0M $231.3M
-0.0% YoY
 $2.9B
+6.5% YoY
 $547.7M
+7.8% YoY
 Bottom 15.2% in tier
Loans $54.2M
+6.5% YoY+1.1% QoQ
 $-93.6M $147.8M
-1.4% YoY
 $2.1B
+5.3% YoY
 $388.7M
+8.6% YoY
 Bottom 6.5% in tier
Deposits $104.3M
+5.1% YoY-0.1% QoQ
 $-96.0M $200.3M
-0.0% YoY
 $2.4B
+8.1% YoY
 $464.6M
+9.3% YoY
 Bottom 13.6% in tier
ROA 2.1%
+18.4% YoY+0.3% QoQ
 +1.3% 0.8%
+15.5% YoY
 0.7%
+11.3% YoY
 0.7%
+273.4% YoY
 Top 2.5% in tier
NIM 4.1%
+8.5% YoY+1.7% QoQ
 +0.5% 3.6%
+6.9% YoY
 3.9%
+2.0% YoY
 3.7%
+5.0% YoY
 Top 21.2% in tier
Efficiency Ratio 54.4%
+0.1% YoY+1.5% QoQ
 -22.9% 77.3%
-3.0% YoY
 80.4%
+0.4% YoY
 79.1%
-3.3% YoY
 Bottom 3.7% in tier
Delinquency Rate 1.9%
-6.1% YoY+10.1% QoQ
 +1.1 0.9%
+7.6% YoY
 1.7%
+32.7% YoY
 1.2%
-0.9% YoY
 Top 7.9% in tier
Loan To Share 52.0%
+1.3% YoY+1.2% QoQ
 -20.7% 72.7%
-1.5% YoY
 66.7%
-4.2% YoY
 68.0%
-1.7% YoY
 Bottom 12.2% in tier
AMR $23,409
+2.4% YoY-0.7% QoQ
 $-955 $24,363
+2.9% YoY
 $18,613
+1.9% YoY
 $19,418
+1.3% YoY
 56th in tier
CD Concentration 14.7%
+7.4% YoY+15.3% QoQ
 -9.7% 24.4%
+4.2% YoY
 18.8%
+3.1% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 58.2%
-1.4% YoY-0.8% QoQ
 +44.2% 14.0%
-5.8% YoY
 9.7%
-0.5% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (4)

Emerging Performer

growth
#14 of 627 • Top 0.7% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 2.08%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): 3.04%
(Tier: 0.88%, National: 9.37%)
better than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank improving

Organic Growth Engine

growth
#151 of 603 • Top 8.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 3.04%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 2.08%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 58.20%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Relationship Depth Leader

growth
#472 of 1006 • Top 17.1% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 2.45%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $3.7K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#799 of 1006 • Top 29.0% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 2.45%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (2)

Indirect Auto Dependency

risk
#38 of 525 • Bottom 2.3% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 6.98%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 58.20%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 3.04%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank worsening

Liquidity Overhang

risk
#68 of 552 • Bottom 4.3% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 15.37%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 52.00%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank improving

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)

Comparing against 1077 peers in tier

Top Strengths (7 metrics)

27
Return on Assets (ROA)
profitability
Value: 2.08%
Peer Avg: 0.79%
#27 of 1077 Top 2.4% in 100M-500M tier
41
Efficiency Ratio
profitability
Value: 54.40%
Peer Avg: 77.28%
#41 of 1077 Top 3.7% in 100M-500M tier
72
First Mortgage Concentration (%)
balance_sheet
Value: 5.53%
Peer Avg: 30.43%
#72 of 1077 Top 6.6% in 100M-500M tier
150
Net Worth Ratio
risk
Value: 15.37%
Peer Avg: 12.15%
#150 of 1077 Top 13.8% in 100M-500M tier
209
Member Growth Rate
growth
Value: 3.04%
Peer Avg: 0.72%
#209 of 1077 Top 19.3% in 100M-500M tier
228
Net Interest Margin (NIM)
profitability
Value: 4.11%
Peer Avg: 3.58%
#228 of 1077 Top 21.1% in 100M-500M tier
229
Share Certificate Concentration (%)
balance_sheet
Value: 14.69%
Peer Avg: 23.61%
#229 of 1077 Top 21.2% in 100M-500M tier

Top Weaknesses (7 metrics)

1051
Indirect Auto Concentration (%)
balance_sheet
Value: 58.20%
Peer Avg: 13.34%
#1051 of 1077 Bottom 2.5% in 100M-500M tier
1007
Total Loans
balance_sheet
Value: $54.22M
Peer Avg: $147.80M
#1007 of 1077 Bottom 6.6% in 100M-500M tier
993
Total Delinquency Rate (60+ days)
risk
Value: 1.94%
Peer Avg: 0.86%
#993 of 1077 Bottom 7.9% in 100M-500M tier
980
Total Members
engagement
Value: 6,771
Peer Avg: 15,628
#980 of 1077 Bottom 9.1% in 100M-500M tier
946
Loan-to-Share Ratio
balance_sheet
Value: 52.00%
Peer Avg: 72.70%
#946 of 1077 Bottom 12.3% in 100M-500M tier
931
Total Deposits
balance_sheet
Value: $104.28M
Peer Avg: $200.29M
#931 of 1077 Bottom 13.6% in 100M-500M tier
913
Total Assets
balance_sheet
Value: $123.25M
Peer Avg: $231.30M
#913 of 1077 Bottom 15.3% in 100M-500M tier