JACKSON COUNTY CO-OP
Charter #97063 | IN
<100M
(2596 CUs)
Micro
($0-$500M)
82 <100M in IN
JACKSON COUNTY CO-OP has 7 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.61% above tier average
- + Net Interest Margin 0.62% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 0.5% in tier
- + Average Member Relationship (AMR): Top 0.8% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Members Per Employee (MPE): Bottom 8.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,045
-1.4% YoY-0.1% QoQ
|
-1.6K |
2,625
-2.2% YoY
|
22,637
+3.1% YoY
|
33,089
+6.1% YoY
|
30th in tier |
| Assets |
$30.1M
+0.2% YoY+2.6% QoQ
|
+$280K |
$29.9M
+1.1% YoY
|
$383.9M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
60th in tier |
| Loans |
$20.9M
-3.8% YoY+0.8% QoQ
|
+$5.2M |
$15.8M
-2.4% YoY
|
$276.9M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
72nd in tier |
| Deposits |
$24.7M
-1.1% YoY+2.9% QoQ
|
$-746K |
$25.5M
+0.4% YoY
|
$323.0M
+10.5% YoY
|
$464.6M
+9.3% YoY
|
59th in tier |
| ROA |
1.3%
-17.7% YoY-14.8% QoQ
|
+0.6% |
0.7%
-731.4% YoY
|
0.9%
+24.5% YoY
|
0.7%
+273.4% YoY
|
73rd in tier |
| NIM |
4.6%
-2.7% YoY-1.3% QoQ
|
+0.6% |
3.9%
+3.8% YoY
|
3.8%
+8.0% YoY
|
3.7%
+5.0% YoY
|
75th in tier |
| Efficiency Ratio |
73.9%
+7.6% YoY+5.3% QoQ
|
-7.4% |
81.4%
-2.4% YoY
|
77.7%
-3.5% YoY
|
79.1%
-3.3% YoY
|
40th in tier |
| Delinquency Rate |
0.0%
-100.0% QoQ
|
-1.5 |
1.5%
-2.0% YoY
|
1.3%
+19.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
84.8%
-2.7% YoY-2.1% QoQ
|
+23.6% |
61.2%
-3.0% YoY
|
69.6%
-2.1% YoY
|
68.0%
-1.7% YoY
|
Top 16.9% in tier |
| AMR |
$43,692
-1.0% YoY+2.0% QoQ
|
+$29K |
$14,627
-2.7% YoY
|
$18,326
+4.3% YoY
|
$19,418
+1.3% YoY
|
Top 0.8% in tier |
| CD Concentration |
26.7%
-10.6% YoY-7.3% QoQ
|
+2.3% |
24.4%
+4.2% YoY
|
19.0%
+9.9% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
11.0%
-3.5% 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 (7 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
13
Loan-to-Member Ratio (LMR)
engagement
Value:
$20,048
Peer Avg: $5,488
#13 of 2596
Top 0.5% in <100M tier
21
Average Member Relationship (AMR)
engagement
Value:
$43,692
Peer Avg: $14,627
#21 of 2596
Top 0.8% 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
417
Fee Income Per Member
profitability
Value:
$143.71
Peer Avg: $182.96
#417 of 2596
Top 16.0% in <100M tier
435
Loan-to-Share Ratio
balance_sheet
Value:
84.79%
Peer Avg: 61.23%
#435 of 2596
Top 16.7% in <100M tier
Top Weaknesses (2 metrics)
2379
Members Per Employee (MPE)
engagement
Value:
130.625
Peer Avg: 365.701
#2379 of 2596
Bottom 8.4% in <100M tier
2035
Share Certificate Concentration (%)
balance_sheet
Value:
26.70%
Peer Avg: 15.37%
#2035 of 2596
Bottom 21.6% in <100M tier