BlastPoint's Credit Union Scorecard
JACKSON COUNTY 1ST
Charter #67334 · FL
JACKSON COUNTY 1ST has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 6.7% in tier
- + AMR Growth Rate: Top 8.9% in tier
- + Asset Growth Rate: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.39% below tier average
- - Efficiency ratio 7.35% above tier (higher cost structure)
- - Member decline: -3.1% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,824
-3.1% YoY-0.8% QoQ
|
+198 |
2,625
-2.2% YoY
|
69,671
+4.3% YoY
|
33,089
+6.1% YoY
|
64% |
| Assets |
$46.1M
+9.6% YoY+1.8% QoQ
|
+$16.2M |
$29.9M
+1.1% YoY
|
$1.1B
+3.8% YoY
|
$547.7M
+7.8% YoY
|
75% |
| Loans |
$18.8M
-1.0% YoY-0.1% QoQ
|
+$3.0M |
$15.8M
-2.4% YoY
|
$773.4M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
68% |
| Deposits |
$38.7M
+11.4% YoY+2.7% QoQ
|
+$13.2M |
$25.5M
+0.4% YoY
|
$908.2M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
74% |
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| ROA |
0.3%
-59.5% YoY-30.1% QoQ
|
-0.4% |
0.7%
-731.4% YoY
|
0.6%
+15.9% YoY
|
0.7%
+273.4% YoY
|
27% |
| NIM |
3.5%
+0.4% YoY-1.7% QoQ
|
-0.4% |
3.9%
+3.8% YoY
|
3.6%
+6.7% YoY
|
3.7%
+5.0% YoY
|
36% |
| Efficiency Ratio |
88.7%
+10.0% YoY+5.2% QoQ
|
+7.4% |
81.4%
-2.4% YoY
|
79.0%
+0.0% YoY
|
79.1%
-3.3% YoY
|
74% |
| Delinquency Rate |
0.2%
-45.2% YoY+85.4% QoQ
|
-1.3 |
1.5%
-2.0% YoY
|
0.7%
+3.1% YoY
|
1.2%
-0.9% YoY
|
27% |
| Loan To Share |
48.6%
-11.2% YoY-2.7% QoQ
|
-12.7% |
61.2%
-3.0% YoY
|
71.2%
+0.4% YoY
|
68.0%
-1.7% YoY
|
30% |
| AMR |
$20,340
+10.4% YoY+2.6% QoQ
|
+$6K |
$14,627
-2.7% YoY
|
$22,283
+3.7% YoY
|
$19,418
+1.3% YoY
|
81% |
| CD Concentration |
35.7%
+24.6% YoY+16.8% QoQ
|
+11.3% |
24.4%
+4.2% YoY
|
23.4%
+4.5% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
10.9%
-1.4% YoY
|
7.9%
-2.9% YoY
|
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)