J C FEDERAL EMPLOYEES

Charter #67691 | MO

<100M (2596 CUs) Micro
60 <100M in MO

J C FEDERAL EMPLOYEES has 7 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Net Interest Margin 2.04% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + First Mortgage Concentration (%): Top 0.0% in tier
  • + Share Certificate Concentration (%): Top 0.0% in tier
  • + Loan-to-Share Ratio: Top 2.7% in tier
  • + Net Charge-Off Rate: Top 3.1% in tier
  • + Net Worth Ratio: Top 10.0% in tier

Key Concerns

Areas that may need attention

  • - ROA 0.20% below tier average
  • - Efficiency ratio 2.17% above tier (higher cost structure)
  • - Delinquency rate 2.40% above tier average
  • - Deposit Growth Rate: Bottom 2.0% in tier
  • - Asset Growth Rate: Bottom 2.5% in tier
  • - Fee Income Per Member: Bottom 3.9% in tier
  • - AMR Growth Rate: Bottom 5.5% in tier
  • - Total Delinquency Rate (60+ days): Bottom 8.6% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Members 598
+0.2% YoY-0.2% QoQ
 -2.0K 2,625
-2.2% YoY
 15,920
+4.0% YoY
 33,089
+6.1% YoY
 Bottom 16.2% in tier
Assets $2.6M
-13.3% YoY-13.4% QoQ
 $-27.2M $29.9M
+1.1% YoY
 $210.9M
+9.4% YoY
 $547.7M
+7.8% YoY
 Bottom 11.9% in tier
Loans $2.0M
-6.1% YoY-7.3% QoQ
 $-13.7M $15.8M
-2.4% YoY
 $147.8M
+9.0% YoY
 $388.7M
+8.6% YoY
 Bottom 17.8% in tier
Deposits $1.9M
-17.7% YoY-17.5% QoQ
 $-23.5M $25.5M
+0.4% YoY
 $183.9M
+12.2% YoY
 $464.6M
+9.3% YoY
 Bottom 11.7% in tier
ROA 0.5%
-28.7% YoY+80.2% QoQ
 -0.2% 0.7%
-731.4% YoY
 0.6%
+117.2% YoY
 0.7%
+273.4% YoY
 36th in tier
NIM 6.0%
+15.6% YoY+12.3% QoQ
 +2.0% 3.9%
+3.8% YoY
 3.8%
+3.2% YoY
 3.7%
+5.0% YoY
 Top 4.4% in tier
Efficiency Ratio 83.6%
+5.5% YoY-3.8% QoQ
 +2.2% 81.4%
-2.4% YoY
 78.5%
-6.5% YoY
 79.1%
-3.3% YoY
 63rd in tier
Delinquency Rate 3.9%
+303.7% YoY-10.3% QoQ
 +2.4 1.5%
-2.0% YoY
 1.2%
+9.9% YoY
 1.2%
-0.9% YoY
 Top 8.6% in tier
Loan To Share 103.7%
+14.0% YoY+12.4% QoQ
 +42.5% 61.2%
-3.0% YoY
 72.3%
-3.7% YoY
 68.0%
-1.7% YoY
 Top 2.9% in tier
AMR $6,642
-12.3% YoY-12.4% QoQ
 $-8K $14,627
-2.7% YoY
 $16,810
+3.4% YoY
 $19,418
+1.3% YoY
 Bottom 13.8% in tier
CD Concentration 0.0% -24.4% 24.4%
+4.2% YoY
 18.1%
+9.5% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 10.3%
-9.1% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2596 peers in tier

Top Strengths (7 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 2.84%
#1 of 2596 Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 14.49%
#1 of 2596 Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 15.37%
#1 of 2596 Top 0.0% in <100M tier
70
Loan-to-Share Ratio
balance_sheet
Value: 103.71%
Peer Avg: 61.23%
#70 of 2596 Top 2.7% in <100M tier
81
Net Charge-Off Rate
risk
Value: -0.17%
Peer Avg: 0.57%
#81 of 2596 Top 3.1% in <100M tier
113
Net Interest Margin (NIM)
profitability
Value: 5.97%
Peer Avg: 3.93%
#113 of 2596 Top 4.3% in <100M tier
260
Net Worth Ratio
risk
Value: 25.93%
Peer Avg: 16.43%
#260 of 2596 Top 10.0% in <100M tier

Top Weaknesses (11 metrics)

2546
Deposit Growth Rate
growth
Value: -17.65%
Peer Avg: 16.80%
#2546 of 2596 Bottom 2.0% in <100M tier
2531
Asset Growth Rate
growth
Value: -13.32%
Peer Avg: 1.82%
#2531 of 2596 Bottom 2.5% in <100M tier
2495
Fee Income Per Member
profitability
Value: $0.00
Peer Avg: $182.96
#2495 of 2596 Bottom 3.9% in <100M tier
2454
AMR Growth Rate
growth
Value: -12.31%
Peer Avg: 4.67%
#2454 of 2596 Bottom 5.5% in <100M tier
2373
Total Delinquency Rate (60+ days)
risk
Value: 3.91%
Peer Avg: 1.51%
#2373 of 2596 Bottom 8.6% in <100M tier
2291
Total Deposits
balance_sheet
Value: $1.95M
Peer Avg: $25.45M
#2291 of 2596 Bottom 11.8% in <100M tier
2288
Total Assets
balance_sheet
Value: $2.64M
Peer Avg: $29.86M
#2288 of 2596 Bottom 11.9% in <100M tier
2238
Average Member Relationship (AMR)
engagement
Value: $6,642
Peer Avg: $14,627
#2238 of 2596 Bottom 13.8% in <100M tier
2196
Members Per Employee (MPE)
engagement
Value: 199.333
Peer Avg: 365.701
#2196 of 2596 Bottom 15.4% in <100M tier
2175
Total Members
engagement
Value: 598
Peer Avg: 2,626
#2175 of 2596 Bottom 16.3% in <100M tier