BlastPoint's Credit Union Scorecard
J C FEDERAL EMPLOYEES
Charter #67691 · MO
2556 CUs in <100M nationally
60 in MO
J C FEDERAL EMPLOYEES has 5 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.09% 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
- + Net Charge-Off Rate: Top 2.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.57% below tier average
- - Efficiency ratio 2.14% above tier (higher cost structure)
- - Delinquency rate 1.01% above tier average
- - Fee Income Per Member: Bottom 3.3% in tier
- - AMR Growth Rate: Bottom 4.7% in tier
- - Deposit Growth Rate: Bottom 7.1% in tier
- - Asset Growth Rate: Bottom 7.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
596
+0.2% YoY-0.3% QoQ
|
-2.0K |
2,615
-1.9% YoY
|
15,911
+2.9% YoY
|
33,374
+5.7% YoY
|
16% |
| Assets |
$2.9M
-7.7% YoY+9.3% QoQ
|
$-27.3M |
$30.1M
+2.1% YoY
|
$212.3M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
Bottom 12.4% in tier |
| Loans |
$1.8M
-13.8% YoY-9.9% QoQ
|
$-13.9M |
$15.8M
-1.3% YoY
|
$149.4M
+8.7% YoY
|
$397.0M
+8.8% YoY
|
17% |
| Deposits |
$2.2M
-9.9% YoY+13.1% QoQ
|
$-23.5M |
$25.7M
+1.4% YoY
|
$185.2M
+10.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 12.2% in tier |
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| ROA |
0.0%
-90.4% YoY-89.6% QoQ
|
-0.6% |
0.6%
+10.8% YoY
|
0.7%
+53.7% YoY
|
0.7%
+15.9% YoY
|
18% |
| NIM |
6.0%
+18.5% YoY+1.1% QoQ
|
+2.1% |
4.0%
+4.0% YoY
|
3.8%
+3.0% YoY
|
3.8%
+5.1% YoY
|
Top 3.7% in tier |
| Efficiency Ratio |
84.7%
+3.6% YoY+1.4% QoQ
|
+2.1% |
82.6%
-2.3% YoY
|
77.6%
-5.0% YoY
|
79.7%
-3.3% YoY
|
63% |
| Delinquency Rate |
2.6%
-14.0% YoY-34.5% QoQ
|
+1.0 |
1.6%
-3.1% YoY
|
1.3%
+20.7% YoY
|
1.3%
-2.1% YoY
|
84% |
| Loan To Share |
82.6%
-4.3% YoY-20.4% QoQ
|
+22.0% |
60.6%
-3.1% YoY
|
71.1%
-4.0% YoY
|
67.4%
-1.7% YoY
|
82% |
| AMR |
$6,757
-11.9% YoY+1.7% QoQ
|
$-8K |
$14,783
-1.4% YoY
|
$16,896
+3.0% YoY
|
$19,687
+2.0% YoY
|
Bottom 14.2% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 18.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.0% | 7.8% | 50% |
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)
Top Strengths (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
61
Net Charge-Off Rate
risk
Value:
-0.20%
Peer Median: -
#61 of 2556
Top 2.3% in <100M tier
95
Net Interest Margin (NIM)
profitability
Value:
6.04%
Peer Median: -
#95 of 2556
Top 3.7% in <100M tier
346
Net Worth Ratio
risk
Value:
23.42%
Peer Median: -
#346 of 2556
Top 13.5% in <100M tier
463
Loan-to-Share Ratio
balance_sheet
Value:
82.57%
Peer Median: -
#463 of 2556
Top 18.1% in <100M tier
Top Weaknesses (14 metrics)
2473
Fee Income Per Member
profitability
Value:
$0.00
Peer Median: -
#2473 of 2556
Bottom 3.3% in <100M tier
2437
AMR Growth Rate
growth
Value:
-11.87%
Peer Median: -
#2437 of 2556
Bottom 4.7% in <100M tier
2375
Deposit Growth Rate
growth
Value:
-9.91%
Peer Median: -
#2375 of 2556
Bottom 7.1% in <100M tier
2355
Asset Growth Rate
growth
Value:
-7.70%
Peer Median: -
#2355 of 2556
Bottom 7.9% in <100M tier
2244
Loan Growth Rate
growth
Value:
-13.82%
Peer Median: -
#2244 of 2556
Bottom 12.2% in <100M tier
2244
Total Deposits
balance_sheet
Value:
$2.21M
Peer Median: -
#2244 of 2556
Bottom 12.2% in <100M tier
2240
Total Assets
balance_sheet
Value:
$2.89M
Peer Median: -
#2240 of 2556
Bottom 12.4% in <100M tier
2194
Average Member Relationship (AMR)
engagement
Value:
$6,757
Peer Median: -
#2194 of 2556
Bottom 14.2% in <100M tier
2158
Members Per Employee (MPE)
engagement
Value:
198.667
Peer Median: -
#2158 of 2556
Bottom 15.6% in <100M tier
2147
Total Members
engagement
Value:
596
Peer Median: -
#2147 of 2556
Bottom 16.0% in <100M tier