Jm Associates

Jacksonville, FL · 1 · Charter #23709 · www.jmafcu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$148.0M
72th percentile
Members
8,839
60th percentile
Total loans
$99.7M
76th percentile
Total shares
$128.5M
72th percentile

Profitability

Return on assets
0.85%
37th percentile
Net interest margin
3.89%
63th percentile
Efficiency ratio
64.28%
45th percentile
Non-interest income ratio
21.41%
71th percentile

Capital & Risk

Net worth ratio
15.03%
77th percentile
Delinquency rate
0.77%
47th percentile
Net charge-off rate
0.44%
39th percentile
Loan-to-share
77.60%
66th percentile

Growth

Member growth YoY
2.99%
85th percentile
Asset growth YoY
-2.09%
10th percentile
Loan growth YoY
4.44%
68th percentile
Share growth YoY
1.10%
31th percentile

Operations

Members / branch
1,768
15th percentile
Assets / member
$16,747
69th percentile
Field of membership penetration
28.41%
77th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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