Justice

Chantilly, VA · 1 · Charter #151 · www.jfcu.org
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$1.1B
10th percentile
Members
70,221
18th percentile
Total loans
$786.8M
10th percentile
Total shares
$995.9M
15th percentile

Profitability

Return on assets
0.73%
31th percentile
Net interest margin
3.52%
71th percentile
Efficiency ratio
61.64%
13th percentile
Non-interest income ratio
12.65%
14th percentile

Capital & Risk

Net worth ratio
11.82%
68th percentile
Delinquency rate
1.58%
10th percentile
Net charge-off rate
0.82%
22th percentile
Loan-to-share
79.00%
27th percentile

Growth

Member growth YoY
8.34%
92th percentile
Asset growth YoY
7.62%
67th percentile
Loan growth YoY
2.82%
35th percentile
Share growth YoY
11.40%
86th percentile

Operations

Members / branch
3,192
4th percentile
Assets / member
$16,184
33th percentile
Field of membership penetration
35.11%
90th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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