J.C.T.

Edna, TX · 1 · Charter #20581 · www.jacksoncountyteachers.co
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
$10.7M
43th percentile
Members
612
21th percentile
Total loans
$4.4M
40th percentile
Total shares
$9.4M
46th percentile

Profitability

Return on assets
0.63%
41th percentile
Net interest margin
3.29%
27th percentile
Efficiency ratio
62.40%
59th percentile
Non-interest income ratio
3.42%
26th percentile

Capital & Risk

Net worth ratio
11.71%
28th percentile
Delinquency rate
0.00%
100th percentile
Net charge-off rate
0.05%
67th percentile
Loan-to-share
47.25%
31th percentile

Growth

Member growth YoY
0.00%
66th percentile
Asset growth YoY
0.74%
47th percentile
Loan growth YoY
-3.39%
48th percentile
Share growth YoY
0.05%
47th percentile

Operations

Members / branch
612
28th percentile
Assets / member
$17,403
93th percentile
Field of membership penetration
40.80%
55th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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