BlastPoint's Credit Union Scorecard
J C FEDERAL EMPLOYEES
Charter #67691 · MO
2596 CUs in <100M nationally
60 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
|
16% |
| 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
|
18% |
| 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 |
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| 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
|
36% |
| 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
|
63% |
| 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
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
10.3%
-9.1% YoY
|
7.9%
-2.9% YoY
|
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 Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
70
Loan-to-Share Ratio
balance_sheet
Value:
103.71%
Peer Avg: -
#70 of 2596
Top 2.7% in <100M tier
81
Net Charge-Off Rate
risk
Value:
-0.17%
Peer Avg: -
#81 of 2596
Top 3.1% in <100M tier
113
Net Interest Margin (NIM)
profitability
Value:
5.97%
Peer Avg: -
#113 of 2596
Top 4.3% in <100M tier
260
Net Worth Ratio
risk
Value:
25.93%
Peer Avg: -
#260 of 2596
Top 10.0% in <100M tier
Top Weaknesses (11 metrics)
2546
Deposit Growth Rate
growth
Value:
-17.65%
Peer Avg: -
#2546 of 2596
Bottom 2.0% in <100M tier
2531
Asset Growth Rate
growth
Value:
-13.32%
Peer Avg: -
#2531 of 2596
Bottom 2.5% in <100M tier
2495
Fee Income Per Member
profitability
Value:
$0.00
Peer Avg: -
#2495 of 2596
Bottom 3.9% in <100M tier
2454
AMR Growth Rate
growth
Value:
-12.31%
Peer Avg: -
#2454 of 2596
Bottom 5.5% in <100M tier
2373
Total Delinquency Rate (60+ days)
risk
Value:
3.91%
Peer Avg: -
#2373 of 2596
Bottom 8.6% in <100M tier
2291
Total Deposits
balance_sheet
Value:
$1.95M
Peer Avg: -
#2291 of 2596
Bottom 11.8% in <100M tier
2288
Total Assets
balance_sheet
Value:
$2.64M
Peer Avg: -
#2288 of 2596
Bottom 11.9% in <100M tier
2238
Average Member Relationship (AMR)
engagement
Value:
$6,642
Peer Avg: -
#2238 of 2596
Bottom 13.8% in <100M tier
2196
Members Per Employee (MPE)
engagement
Value:
199.333
Peer Avg: -
#2196 of 2596
Bottom 15.4% in <100M tier
2175
Total Members
engagement
Value:
598
Peer Avg: -
#2175 of 2596
Bottom 16.3% in <100M tier