JAFARI NO-INTEREST
Charter #68675 | TX
<100M
(2596 CUs)
Micro
($0-$500M)
245 <100M in TX
JAFARI NO-INTEREST has 9 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.32% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 0.9% in tier
- + Efficiency Ratio: Top 1.4% in tier
- + Loan Growth Rate: Top 6.8% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Member decline: -21.2% YoY
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Member Growth Rate: Bottom 1.5% in tier
- - Net Interest Margin (NIM): Bottom 3.5% in tier
- - Total Members: Bottom 9.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
356
-21.2% YoY+0.3% QoQ
|
-2.3K |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
Bottom 9.8% in tier |
| Assets |
$2.6M
+6.5% YoY-0.1% QoQ
|
$-27.2M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
Bottom 11.8% in tier |
| Loans |
$1.3M
+13.7% YoY+14.9% QoQ
|
$-14.5M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 13.5% in tier |
| Deposits |
$2.1M
+6.2% YoY-0.5% QoQ
|
$-23.4M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
Bottom 12.1% in tier |
| ROA |
2.0%
-19.5% YoY-19.9% QoQ
|
+1.3% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
Top 8.9% in tier |
| NIM |
2.0%
-27.9% YoY-2.0% QoQ
|
-2.0% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
Bottom 3.5% in tier |
| Efficiency Ratio |
34.0%
+9.7% YoY+4.7% QoQ
|
-47.4% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
Bottom 1.4% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
63.4%
+7.1% YoY+15.4% QoQ
|
+2.2% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
53rd in tier |
| AMR |
$9,536
+38.4% YoY+4.7% QoQ
|
$-5K |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
27th in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.2%
-0.2% 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)
Top Strengths (13 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: 1.51%
#1 of 2596
Top 0.0% in <100M tier
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
25
AMR Growth Rate
growth
Value:
38.40%
Peer Avg: 4.67%
#25 of 2596
Top 0.9% in <100M tier
38
Efficiency Ratio
profitability
Value:
33.95%
Peer Avg: 81.39%
#38 of 2596
Top 1.4% in <100M tier
178
Loan Growth Rate
growth
Value:
13.74%
Peer Avg: 59.01%
#178 of 2596
Top 6.8% in <100M tier
231
Return on Assets (ROA)
profitability
Value:
2.00%
Peer Avg: 0.68%
#231 of 2596
Top 8.9% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
479
Asset Growth Rate
growth
Value:
6.50%
Peer Avg: 1.82%
#479 of 2596
Top 18.4% in <100M tier
Top Weaknesses (7 metrics)
2596
Members Per Employee (MPE)
engagement
Value:
-
Peer Avg: 365.701
#2596 of 2596
Bottom 0.0% in <100M tier
2557
Member Growth Rate
growth
Value:
-21.24%
Peer Avg: 14.92%
#2557 of 2596
Bottom 1.5% in <100M tier
2506
Net Interest Margin (NIM)
profitability
Value:
1.97%
Peer Avg: 3.93%
#2506 of 2596
Bottom 3.5% in <100M tier
2341
Total Members
engagement
Value:
356
Peer Avg: 2,626
#2341 of 2596
Bottom 9.9% in <100M tier
2290
Total Assets
balance_sheet
Value:
$2.61M
Peer Avg: $29.86M
#2290 of 2596
Bottom 11.8% in <100M tier
2281
Total Deposits
balance_sheet
Value:
$2.08M
Peer Avg: $25.45M
#2281 of 2596
Bottom 12.2% in <100M tier
2246
Total Loans
balance_sheet
Value:
$1.32M
Peer Avg: $15.77M
#2246 of 2596
Bottom 13.5% in <100M tier