BlastPoint's Credit Union Scorecard
J C FEDERAL EMPLOYEES
Charter #67691 · MO
J C FEDERAL EMPLOYEES has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.53% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.07% below tier average
- - Efficiency ratio 6.69% above tier (higher cost structure)
- - Delinquency rate 2.18% above tier average
- - Deposit Growth Rate: Bottom 2.8% in tier
- - AMR Growth Rate: Bottom 2.9% in tier
- - Asset Growth Rate: Bottom 3.1% in tier
- - Fee Income Per Member: Bottom 4.7% in tier
- - Loan Growth Rate: Bottom 7.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
590
-1.0% YoY-1.0% QoQ
|
-2.1K |
2,676
+1.6% YoY
|
15,395
-0.3% YoY
|
33,913
+5.7% YoY
|
16% |
| Assets |
$2.7M
-11.7% YoY-5.2% QoQ
|
$-27.5M |
$30.2M
+1.3% YoY
|
$217.9M
+8.5% YoY
|
$578.3M
+9.0% YoY
|
Bottom 11.9% in tier |
| Loans |
$1.7M
-18.7% YoY-7.0% QoQ
|
$-13.6M |
$15.3M
-2.0% YoY
|
$149.6M
+7.9% YoY
|
$402.4M
+8.7% YoY
|
16% |
| Deposits |
$2.1M
-15.0% YoY-6.8% QoQ
|
$-23.7M |
$25.8M
+0.7% YoY
|
$190.9M
+9.2% YoY
|
$494.3M
+9.1% YoY
|
Bottom 11.4% in tier |
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| ROA | 0.1% | -0.1% |
0.1%
-77.6% YoY
|
-0.4%
-263.3% YoY
|
0.4%
-39.2% YoY
|
25% |
| NIM |
5.5%
+9.8% YoY-8.4% QoQ
|
+1.5% |
4.0%
+4.0% YoY
|
3.9%
+2.8% YoY
|
3.8%
+4.1% YoY
|
Top 6.2% in tier |
| Efficiency Ratio |
97.3%
+8.3% YoY+14.9% QoQ
|
+6.7% |
90.6%
+6.5% YoY
|
82.5%
-4.9% YoY
|
84.6%
+2.8% YoY
|
82% |
| Delinquency Rate |
3.7%
+30.5% YoY+43.7% QoQ
|
+2.2 |
1.5%
+3.8% YoY
|
1.1%
+7.9% YoY
|
1.2%
+3.4% YoY
|
Bottom 8.7% in tier |
| Loan To Share |
82.5%
-4.3% YoY-0.1% QoQ
|
+24.0% |
58.5%
-3.0% YoY
|
68.7%
-4.0% YoY
|
65.6%
-1.4% YoY
|
84% |
| AMR |
$6,355
-15.9% YoY-5.9% QoQ
|
$-9K |
$14,884
-1.7% YoY
|
$17,151
+1.8% YoY
|
$19,920
+1.6% YoY
|
Bottom 12.8% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 18.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.8% | 7.7% | 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)