BlastPoint's Credit Union Scorecard
JACKSON RIVER COMMUNITY
Charter #66967 · VA
JACKSON RIVER COMMUNITY has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 50.0% in tier
- + ROA 1.56% above tier average
- + Net Interest Margin 0.44% above tier average
- + Efficiency Ratio: Top 2.8% in tier
- + First Mortgage Concentration (%): Top 7.2% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Delinquency rate 0.53% above tier average
- - Indirect Auto Concentration (%): Bottom 2.7% in tier
- - Total Loans: Bottom 7.5% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 24 that size in Virginia.
- Shares and deposits +6.7% year over year ($111M in shares and deposits).
- Membership: 6,928 members, +3.4% vs a year ago.
- Delinquency rate 1.41%.
- Return on assets 2.42%.
- Efficiency ratio 51.92% vs a 76.73% peer average.
- Loan-to-share ratio 48.13% vs a 71.54% 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 (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,928
+3.4% YoY+0.8% QoQ
|
-8.2K |
15,168
-2.6% YoY
|
226,164
+4.4% YoY
|
34,678
+6.6% YoY
|
Bottom 11.4% in tier |
| Assets |
$132.6M
+8.1% YoY+0.5% QoQ
|
$-99.4M |
$232.0M
+0.7% YoY
|
$3.0B
+6.1% YoY
|
$593.1M
+10.2% YoY
|
21% |
| Loans |
$53.6M
-0.0% YoY-0.8% QoQ
|
$-92.6M |
$146.3M
+0.2% YoY
|
$2.2B
+5.0% YoY
|
$418.6M
+10.1% YoY
|
Bottom 7.4% in tier |
| Deposits |
$111.4M
+6.7% YoY+0.2% QoQ
|
$-89.3M |
$200.7M
+0.2% YoY
|
$2.6B
+6.5% YoY
|
$504.8M
+10.3% YoY
|
18% |
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| ROA |
2.4%
+16.7% YoY+5.2% QoQ
|
+1.6% |
0.9%
+12.5% YoY
|
1.1%
+69.8% YoY
|
1.2%
+121.4% YoY
|
Top 1.2% in tier |
| NIM |
4.1%
+2.1% YoY+4.0% QoQ
|
+0.4% |
3.7%
+4.5% YoY
|
3.9%
+0.9% YoY
|
3.8%
+2.3% YoY
|
77% |
| Efficiency Ratio |
51.9%
-3.1% YoY-2.6% QoQ
|
-24.8% |
76.7%
-0.8% YoY
|
79.7%
-1.2% YoY
|
83.0%
-5.3% YoY
|
Top 2.8% in tier |
| Delinquency Rate |
1.4%
-19.9% YoY-12.0% QoQ
|
+0.5 |
0.9%
+6.6% YoY
|
1.5%
-1.1% YoY
|
1.3%
+2.6% YoY
|
84% |
| Loan To Share |
48.1%
-6.3% YoY-1.0% QoQ
|
-23.4% |
71.5%
-0.3% YoY
|
64.2%
-3.9% YoY
|
66.4%
-1.4% YoY
|
Bottom 10.0% in tier |
| AMR |
$23,829
+1.0% YoY-1.0% QoQ
|
$-1K |
$25,107
+3.2% YoY
|
$18,993
+1.8% YoY
|
$20,028
-0.9% YoY
|
54% |
| CD Concentration |
13.4%
+5.6% YoY-9.5% QoQ
|
-11.1% | 24.6% | 18.0% | 20.0% | 50% |
| Indirect Auto % |
57.0%
-2.7% YoY-2.4% QoQ
|
+43.4% | 13.6% | 9.3% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)