BlastPoint's Credit Union Scorecard
JACKSON COUNTY 1ST
Charter #67334 · FL
JACKSON COUNTY 1ST has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Deposit Growth Rate: Top 5.5% in tier
- + Asset Growth Rate: Top 5.8% in tier
- + AMR Growth Rate: Top 7.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.32% below tier average
- - Efficiency ratio 6.96% above tier (higher cost structure)
- - Member decline: -2.7% YoY
- - Share Certificate Concentration (%): Bottom 8.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,812
-2.7% YoY-0.4% QoQ
|
+196 |
2,615
-1.9% YoY
|
72,012
+7.1% YoY
|
33,374
+5.7% YoY
|
64% |
| Assets |
$47.3M
+12.0% YoY+2.7% QoQ
|
+$17.2M |
$30.1M
+2.1% YoY
|
$1.1B
+9.4% YoY
|
$561.6M
+9.7% YoY
|
76% |
| Loans |
$19.1M
+1.3% YoY+1.7% QoQ
|
+$3.3M |
$15.8M
-1.3% YoY
|
$808.5M
+10.5% YoY
|
$397.0M
+8.8% YoY
|
68% |
| Deposits |
$39.5M
+13.0% YoY+2.2% QoQ
|
+$13.8M |
$25.7M
+1.4% YoY
|
$948.9M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
75% |
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| ROA |
0.3%
-61.9% YoY+4.0% QoQ
|
-0.3% |
0.6%
+10.8% YoY
|
0.6%
+16.0% YoY
|
0.7%
+15.9% YoY
|
30% |
| NIM |
3.5%
-3.8% YoY-1.8% QoQ
|
-0.5% |
4.0%
+4.0% YoY
|
3.6%
+4.0% YoY
|
3.8%
+5.1% YoY
|
34% |
| Efficiency Ratio |
89.5%
+12.1% YoY+0.9% QoQ
|
+7.0% |
82.6%
-2.3% YoY
|
77.7%
-2.7% YoY
|
79.7%
-3.3% YoY
|
74% |
| Delinquency Rate |
0.1%
-41.9% YoY-35.9% QoQ
|
-1.4 |
1.6%
-3.1% YoY
|
0.7%
+7.1% YoY
|
1.3%
-2.1% YoY
|
21% |
| Loan To Share |
48.3%
-10.3% YoY-0.5% QoQ
|
-12.3% |
60.6%
-3.1% YoY
|
71.1%
+0.4% YoY
|
67.4%
-1.7% YoY
|
31% |
| AMR |
$20,840
+11.9% YoY+2.5% QoQ
|
+$6K |
$14,783
-1.4% YoY
|
$22,519
+3.6% YoY
|
$19,687
+2.0% YoY
|
82% |
| CD Concentration |
39.0%
+34.4% YoY+9.2% QoQ
|
+14.6% | 24.4% | 24.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.8% | 7.8% | 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)