| Metric | Jefferson Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.0% | +1.3% | +5.7 pts |
| Share growth (YoY) | +4.9% | +0.7% | +4.2 pts |
| Loan growth (YoY) | +7.8% | -2.4% | +10.2 pts |
| ROA | 0.73% | 0.60% | +0.1 pts |
| ROE | 7.3% | 4.1% | +3.2 pts |
ROA ranks in the 56th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $92.1M | $82.0M | $49.0M | $9.2M | $167K | 0.73% | 4.06% | 1.38% | 8,095 |
| Q4 2025 | $92.8M | $82.7M | $51.5M | $9.1M | $267K | 0.29% | 3.92% | 0.74% | 8,248 |
| Q3 2025 | $91.8M | $82.6M | $52.2M | $8.9M | $284K | 0.41% | 3.89% | 0.73% | 8,294 |
| Q2 2025 | $96.0M | $87.2M | $53.3M | $8.5M | $371K | 0.77% | 3.61% | 2.16% | 8,423 |
| Q1 2025 | $86.1M | $78.2M | $45.4M | $8.1M | $-15K | -0.07% | 3.28% | 0.60% | 6,816 |
| Q4 2024 | $83.4M | $75.8M | $44.0M | $8.1M | $33K | 0.04% | 3.29% | 0.26% | 6,858 |
| Q3 2024 | $82.9M | $75.1M | $43.0M | $8.0M | $-46K | -0.07% | 3.30% | 0.72% | 6,885 |
| Q2 2024 | $79.2M | $71.5M | $43.5M | $8.0M | $-46K | -0.12% | 3.48% | 0.90% |
| Ratio | Jefferson Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.73% | 0.60% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 7.3% | 4.1% | 72th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.06% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 6,866 |
Loan mix (Q1 2026): real estate $16.7M · commercial $0 · consumer $24.8M · securities $17.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.1% | 81.5% | 37th |
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 | Jefferson 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 | Jefferson 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 | Jefferson 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 | Jefferson 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% |
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