BlastPoint's Credit Union Scorecard
JACKSON COUNTY CO-OP
Charter #97063 · IN
JACKSON COUNTY CO-OP has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.37% above tier average
- + Net Interest Margin 1.09% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Loan-to-Member Ratio (LMR): Top 0.5% in tier
- + Average Member Relationship (AMR): Top 0.8% in tier
Key Concerns
Areas that may need attention
- - Members Per Employee (MPE): Bottom 7.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,067
+0.9% YoY+0.9% QoQ
|
-1.6K |
2,676
+1.6% YoY
|
22,524
+2.8% YoY
|
33,913
+5.7% YoY
|
30% |
| Assets |
$31.2M
+1.6% YoY+4.8% QoQ
|
+$1.0M |
$30.2M
+1.3% YoY
|
$399.0M
+8.5% YoY
|
$578.3M
+9.0% YoY
|
60% |
| Loans |
$21.2M
+5.0% YoY-5.1% QoQ
|
+$5.9M |
$15.3M
-2.0% YoY
|
$281.9M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
73% |
| Deposits |
$25.6M
+0.5% YoY+5.4% QoQ
|
$-202K |
$25.8M
+0.7% YoY
|
$336.4M
+8.1% YoY
|
$494.3M
+9.1% YoY
|
59% |
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| ROA |
1.5%
+0.5% YoY+18.9% QoQ
|
+1.4% |
0.1%
-77.6% YoY
|
0.6%
-3.4% YoY
|
0.4%
-39.2% YoY
|
Top 14.6% in tier |
| NIM |
5.1%
+4.9% YoY+10.1% QoQ
|
+1.1% |
4.0%
+4.0% YoY
|
3.7%
-1.2% YoY
|
3.8%
+4.1% YoY
|
Top 10.4% in tier |
| Efficiency Ratio |
72.6%
+1.7% YoY-1.4% QoQ
|
-18.0% |
90.6%
+6.5% YoY
|
86.7%
+4.4% YoY
|
84.6%
+2.8% YoY
|
30% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+3.8% YoY
|
1.1%
+11.5% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
82.8%
+4.5% YoY-10.0% QoQ
|
+24.3% |
58.5%
-3.0% YoY
|
67.3%
+1.1% YoY
|
65.6%
-1.4% YoY
|
85% |
| AMR |
$43,833
+1.5% YoY-0.5% QoQ
|
+$29K |
$14,884
-1.7% YoY
|
$18,911
+5.2% YoY
|
$19,920
+1.6% YoY
|
Top 0.8% in tier |
| CD Concentration |
26.0%
-19.5% YoY-6.4% QoQ
|
+1.7% | 24.3% | 18.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.4% | 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)