Jovia Financial

WESTBURY, NY · 1 · Charter #2760 · www.jovia.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
$4.5B
80th percentile
Members
237,358
80th percentile
Total loans
$3.6B
85th percentile
Total shares
$3.9B
83th percentile

Profitability

Return on assets
1.06%
55th percentile
Net interest margin
2.99%
36th percentile
Efficiency ratio
40.27%
87th percentile
Non-interest income ratio
10.09%
7th percentile

Capital & Risk

Net worth ratio
9.60%
22th percentile
Delinquency rate
1.33%
14th percentile
Net charge-off rate
0.80%
24th percentile
Loan-to-share
91.15%
54th percentile

Growth

Member growth YoY
-1.30%
17th percentile
Asset growth YoY
-1.27%
8th percentile
Loan growth YoY
-2.33%
10th percentile
Share growth YoY
-0.89%
8th percentile

Operations

Members / branch
11,303
80th percentile
Assets / member
$18,866
58th percentile
Field of membership penetration
9.49%
66th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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