BlastPoint's Credit Union Scorecard
J C FEDERAL EMPLOYEES
Charter #67691 · MO
J C FEDERAL EMPLOYEES has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.60% above tier average
- + Loan-to-Share Ratio: Top 8.6% in tier
Key Concerns
Areas that may need attention
- - ROA 1.48% below tier average
- - Efficiency ratio 10.33% above tier (higher cost structure)
- - Delinquency rate 2.34% above tier average
- - Fee Income Per Member: Bottom 3.0% in tier
- - Deposit Growth Rate: Bottom 4.1% in tier
- - Asset Growth Rate: Bottom 4.6% in tier
- - AMR Growth Rate: Bottom 4.9% in tier
- - Total Delinquency Rate (60+ days): Bottom 9.4% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 58 that size in Missouri.
- Shares and deposits -13.4% year over year ($2.0M in shares and deposits).
- Membership: 591 members, -1.3% vs a year ago.
- Delinquency rate 3.89%.
- Return on assets 0.01%.
- Efficiency ratio 99.10% vs a 88.77% peer average.
- Loan-to-share ratio 90.62% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
591
-1.3% YoY+0.2% QoQ
|
-2.0K |
2,585
-1.7% YoY
|
15,766
-0.3% YoY
|
34,678
+6.6% YoY
|
16% |
| Assets |
$2.7M
-10.5% YoY-0.3% QoQ
|
$-27.5M |
$30.3M
+1.5% YoY
|
$225.8M
+8.3% YoY
|
$593.1M
+10.2% YoY
|
Bottom 11.6% in tier |
| Loans |
$1.9M
-15.0% YoY+9.4% QoQ
|
$-13.6M |
$15.5M
-1.7% YoY
|
$157.5M
+9.5% YoY
|
$418.6M
+10.1% YoY
|
17% |
| Deposits |
$2.0M
-13.4% YoY-0.4% QoQ
|
$-23.8M |
$25.8M
+1.1% YoY
|
$197.6M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
Bottom 11.4% in tier |
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| ROA |
0.0%
-94.5% YoY-81.5% QoQ
|
-1.5% |
1.5%
+241.5% YoY
|
1.4%
+222.5% YoY
|
1.2%
+121.4% YoY
|
Bottom 0.8% in tier |
| NIM |
5.5%
+3.3% YoY-0.7% QoQ
|
+1.6% |
3.9%
+0.9% YoY
|
3.8%
+0.7% YoY
|
3.8%
+2.3% YoY
|
Top 6.2% in tier |
| Efficiency Ratio |
99.1%
+14.1% YoY+1.8% QoQ
|
+10.3% |
88.8%
-6.9% YoY
|
83.2%
+2.3% YoY
|
83.0%
-5.3% YoY
|
Bottom 14.4% in tier |
| Delinquency Rate |
3.9%
-10.9% YoY+5.5% QoQ
|
+2.3 |
1.5%
+2.1% YoY
|
1.1%
-8.7% YoY
|
1.3%
+2.6% YoY
|
Bottom 9.4% in tier |
| Loan To Share |
90.6%
-1.8% YoY+9.9% QoQ
|
+31.7% |
58.9%
-3.1% YoY
|
69.6%
-2.9% YoY
|
66.4%
-1.4% YoY
|
Top 8.7% in tier |
| AMR |
$6,599
-13.0% YoY+3.8% QoQ
|
$-8K |
$14,963
-6.8% YoY
|
$17,444
+4.9% YoY
|
$20,028
-0.9% YoY
|
Bottom 13.4% in tier |
| CD Concentration | 0.0% | -24.6% | 24.6% | 18.3% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 9.9% | 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)