| Metric | Jacom Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.3% | +1.3% | -1.0 pts |
| Share growth (YoY) | -0.8% | +0.7% | -1.5 pts |
| Loan growth (YoY) | +58.8% | -2.4% | +61.1 pts |
| ROA | -0.30% | 0.60% | -0.9 pts |
| ROE | -1.8% | 4.1% | -5.9 pts |
ROA ranks in the 16th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $54.9M | $46.7M | $21.1M | $9.0M | $-41K | -0.30% | 2.97% | 0.06% | 7,757 |
| Q4 2025 | $55.0M | $46.9M | $20.5M | $9.0M | $-508K | -0.92% | 2.11% | 0.10% | 7,795 |
| Q3 2025 | $54.9M | $47.0M | $17.2M | $9.1M | $-435K | -1.06% | 1.96% | 0.13% | 7,844 |
| Q2 2025 | $55.3M | $47.4M | $12.9M | $9.2M | $-297K | -1.07% | 1.89% | 0.18% | 7,856 |
| Q1 2025 | $54.7M | $47.0M | $13.3M | $9.4M | $-155K | -1.13% | 1.87% | 0.17% | 7,902 |
| Q4 2024 | $55.3M | $47.6M | $12.4M | $9.5M | $-519K | -0.94% | 1.96% | 0.08% | 7,935 |
| Q3 2024 | $56.5M | $48.6M | $12.2M | $9.7M | $-378K | -0.89% | 1.94% | 0.31% | 7,986 |
| Q2 2024 | $56.8M | $49.8M | $13.2M | $9.8M | $-224K | -0.79% | 2.02% | 0.31% |
| Ratio | Jacom Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.30% | 0.60% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | -1.8% | 4.1% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.97% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 8,037 |
Loan mix (Q1 2026): real estate $15.9M · commercial $637K · consumer $4.4M · securities $25.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 108.8% | 81.5% | 90th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Jacom Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Jacom Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
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% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Jacom Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Jacom Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Jacom Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
1 branches in 1 county across 1 state (+0 vs 2024). Biggest market: Los Angeles, CA, ranked 160th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Los Angeles, CA | 1 | $47.4M* | 0.01% | 160th |
California: 354th with 0.00% · Los Angeles-Long Beach-Anaheim metro: 183rd, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1