JEANNE D'ARC

Charter #67352 | MA

1B-3B (304 CUs) Mid-Market (380 CUs)
10 1B-3B in MA

JEANNE D'ARC has 4 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 30.4% in tier
  • + Organic Growth Engine: Top 31.9% in tier
  • + Net Charge-Off Rate: Top 3.3% in tier
  • + Total Delinquency Rate (60+ days): Top 5.3% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 4.0% in tier
  • - Liquidity Strain: Bottom 17.4% in tier
  • - ROA 0.38% below tier average
  • - Efficiency ratio 13.29% above tier (higher cost structure)
  • - First Mortgage Concentration (%): Bottom 3.0% in tier
  • - Net Interest Margin (NIM): Bottom 3.9% in tier
  • - Net Worth Ratio: Bottom 7.2% in tier
  • - Share Certificate Concentration (%): Bottom 7.6% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Members 103,920
+1.3% YoY+0.0% QoQ
 +5.2K 98,678
-1.9% YoY
 27,447
+2.6% YoY
 33,089
+6.1% YoY
 61st in tier
Assets $2.2B
+1.4% YoY-1.6% QoQ
 +$503.5M $1.7B
+0.5% YoY
 $440.2M
+4.2% YoY
 $547.7M
+7.8% YoY
 Top 24.0% in tier
Loans $1.8B
-0.1% YoY-0.5% QoQ
 +$552.4M $1.2B
+0.5% YoY
 $341.2M
+2.4% YoY
 $388.7M
+8.6% YoY
 Top 15.5% in tier
Deposits $1.8B
+2.1% YoY-2.1% QoQ
 +$304.6M $1.5B
+1.3% YoY
 $366.8M
+5.5% YoY
 $464.6M
+9.3% YoY
 72nd in tier
ROA 0.3%
+78.2% YoY-7.3% QoQ
 -0.4% 0.7%
+13.4% YoY
 0.7%
+17.3% YoY
 0.7%
+273.4% YoY
 Bottom 16.1% in tier
NIM 2.1%
+14.7% YoY+3.5% QoQ
 -1.2% 3.3%
+9.3% YoY
 3.3%
+3.8% YoY
 3.7%
+5.0% YoY
 Bottom 3.6% in tier
Efficiency Ratio 87.3%
-3.3% YoY+0.8% QoQ
 +13.3% 74.0%
-10.9% YoY
 80.4%
-4.7% YoY
 79.1%
-3.3% YoY
 Top 4.3% in tier
Delinquency Rate 0.2%
-30.1% YoY-32.7% QoQ
 -0.6 0.8%
+6.1% YoY
 0.9%
-6.0% YoY
 1.2%
-0.9% YoY
 Bottom 5.3% in tier
Loan To Share 101.5%
-2.1% YoY+1.6% QoQ
 +16.3% 85.2%
-0.8% YoY
 74.2%
-1.7% YoY
 68.0%
-1.7% YoY
 Top 12.8% in tier
AMR $34,107
-0.3% YoY-1.3% QoQ
 +$5K $29,172
+2.8% YoY
 $24,707
+3.7% YoY
 $19,418
+1.3% YoY
 Top 19.1% in tier
CD Concentration 41.6%
-1.5% YoY-1.0% QoQ
 +12.6% 29.0%
+0.8% YoY
 24.8%
+8.8% YoY
 19.6%
+6.2% YoY
 Top 9.2% in tier
Indirect Auto % 5.4%
-30.5% YoY-8.9% QoQ
 -13.4% 18.8%
-2.8% YoY
 2.6%
-15.5% YoY
 7.9%
-2.9% YoY
 25th in tier

Signature Analysis

Strengths (2)

Organic Growth Leader

growth
#120 of 138 • Top 30.4% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 1.30%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
138 of 380 Mid-Market CUs have this signature | 608 nationally
↑ Growing +11 CUs YoY | Rank worsening

Organic Growth Engine

growth
#232 of 246 • Top 31.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.30%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
Return on Assets: 0.32%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 5.37%
(Tier: 18.80%, National: 7.90%)
better than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank worsening

Concerns (2)

Efficiency Drag

risk
#14 of 96 • Bottom 4.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 87.27%
(Tier: 73.45%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.14% points
(Tier: 0.07% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): 1.30%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
96 of 380 Mid-Market CUs have this signature | 624 nationally
↓ Shrinking -32 CUs YoY | Rank improving

Liquidity Strain

risk
#92 of 183 • Bottom 17.4% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 101.51%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): -0.08%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | Rank worsening

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 304 peers in tier

Top Strengths (7 metrics)

11
Net Charge-Off Rate
risk
Value: 0.07%
Peer Avg: 0.60%
#11 of 304 Top 3.3% in 1B-3B tier
17
Total Delinquency Rate (60+ days)
risk
Value: 0.20%
Peer Avg: 0.83%
#17 of 304 Top 5.3% in 1B-3B tier
35
Loan-to-Member Ratio (LMR)
engagement
Value: $17,181
Peer Avg: $13,213
#35 of 304 Top 11.2% in 1B-3B tier
39
Loan-to-Share Ratio
balance_sheet
Value: 101.51%
Peer Avg: 85.19%
#39 of 304 Top 12.5% in 1B-3B tier
47
Total Loans
balance_sheet
Value: $1.79B
Peer Avg: $1.23B
#47 of 304 Top 15.1% in 1B-3B tier
58
Average Member Relationship (AMR)
engagement
Value: $34,107
Peer Avg: $29,172
#58 of 304 Top 18.8% in 1B-3B tier
73
Total Assets
balance_sheet
Value: $2.22B
Peer Avg: $1.72B
#73 of 304 Top 23.7% in 1B-3B tier

Top Weaknesses (8 metrics)

296
First Mortgage Concentration (%)
balance_sheet
Value: 68.87%
Peer Avg: 34.01%
#296 of 304 Bottom 3.0% in 1B-3B tier
293
Net Interest Margin (NIM)
profitability
Value: 2.07%
Peer Avg: 3.26%
#293 of 304 Bottom 3.9% in 1B-3B tier
292
Efficiency Ratio
profitability
Value: 87.27%
Peer Avg: 73.97%
#292 of 304 Bottom 4.3% in 1B-3B tier
283
Net Worth Ratio
risk
Value: 8.70%
Peer Avg: 11.44%
#283 of 304 Bottom 7.2% in 1B-3B tier
282
Share Certificate Concentration (%)
balance_sheet
Value: 41.61%
Peer Avg: 28.53%
#282 of 304 Bottom 7.6% in 1B-3B tier
255
Return on Assets (ROA)
profitability
Value: 0.32%
Peer Avg: 0.70%
#255 of 304 Bottom 16.4% in 1B-3B tier
240
Fee Income Per Member
profitability
Value: $158.80
Peer Avg: $210.52
#240 of 304 Bottom 21.4% in 1B-3B tier
233
AMR Growth Rate
growth
Value: -0.33%
Peer Avg: 3.29%
#233 of 304 Bottom 23.7% in 1B-3B tier