J C Federal Employees

Jefferson City, MO · 2 · Charter #67691
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$2.9M
16th percentile
Members
596
21th percentile
Total loans
$1.8M
22th percentile
Total shares
$2.2M
16th percentile

Profitability

Return on assets
0.05%
18th percentile
Net interest margin
5.78%
93th percentile
Efficiency ratio
78.97%
25th percentile
Non-interest income ratio
0.00%
1th percentile

Capital & Risk

Net worth ratio
23.42%
83th percentile
Delinquency rate
2.56%
19th percentile
Net charge-off rate
-0.20%
97th percentile
Loan-to-share
82.57%
80th percentile

Growth

Member growth YoY
0.17%
69th percentile
Asset growth YoY
-7.70%
9th percentile
Loan growth YoY
-13.82%
14th percentile
Share growth YoY
-9.91%
8th percentile

Operations

Members / branch
596
27th percentile
Assets / member
$4,848
16th percentile
Field of membership penetration
59.60%
76th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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