| Judicial & Justice Federal Credit Union | |
|---|---|
| Profile | |
| Type | Credit Union · FCU |
| Established | 1950 |
| Latest report | Q1 2026 |
| Size | |
| Total assets | $1.6M |
| Shares & deposits | $1.5M |
| Loans | $499K |
| Members | 366 |
| Growth (year over year) | |
| Assets | -3.6% |
| Shares & deposits | -3.9% |
| Loans | -13.0% |
| Members | -4.2% |
| Profitability | |
Return on assets Annualized net income ÷ assets | 0.50% |
Return on equity Annualized net income ÷ equity or net worth | 4.6% |
Net interest margin Interest income − interest expense, ÷ assets | 5.06% |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.3% |
Non-interest income share Fees and other income as a share of total revenue | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% |
| Balance sheet | |
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% |
Loans-to-assets How much of the balance sheet is lent out | 00.0% |
Securities-to-assets Investment portfolio as a share of assets | 00.0% |
Cash-to-assets On-balance-sheet liquidity | 00.0% |
| Liquidity & funding | |
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% |
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% |
| Capital | |
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% |
| Credit quality | |
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% |
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% |
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% |
| Franchise | |
Loans per member Member borrowing depth | 00.0% |
Deposits per member Member relationship depth | 00.0% |
Cost of funds, capital, charge-offs, CRE concentration and more are part of CharterBench Pro.
Growth and ratio rows highlight the strongest value in green. Ratios use each institution’s latest call report; peer median is the first institution’s asset band and charter type.