Jay Bee Employees
Bethlehem, PA · Charter 14792 · Peer group: credit unions under $1B in assets (n=1,757-1,761)
NCUA · 1 branch
Q3 2024
$1.2MAssets
$440KLoans
$1.0MShares
$144KNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 50% of credit unions under $1B in assets (rank 875 of 1761).
- Widest gap: net interest margin trails 100% of credit unions under $1B in assets (rank 1760 of 1761).
- Overall: at or above the peer median on 2 of 6 directional measures.
Return on Assets
-4.36%
Rank 1,739 of 1,761
Net Interest Margin
-1.95%
Rank 1,760 of 1,761
Equity / Assets
12.40%
Rank 886 of 1,761
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -4.36% | 0.26% | 0.70% | 1.22% | Beats 1% | 1,739 / 1,761 | n/a | |
| Return on Equity | -35.19% | 2.09% | 5.52% | 9.08% | Beats 2% | 1,734 / 1,761 | n/a | |
| Net Interest Margin | -1.95% | 3.03% | 3.59% | 4.25% | Beats 0% | 1,760 / 1,761 | n/a | |
| Efficiency Ratio | n/a | Not reported for this institution |
| Asset Quality |
| Nonperforming Loans / Loans | 0.91% | 0.26% | 0.65% | 1.27% | Beats 37% | 1,113 / 1,757 | n/a | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.44% | 10.05% | 12.42% | 15.87% | Beats 50% | 875 / 1,761 | n/a | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.40% | 10.05% | 12.42% | 15.87% | Beats 50% | 886 / 1,761 | n/a | |
| Liquidity & Funding |
| Loans / Deposits | 43.34% | 56.21% | 73.13% | 85.64% | 11th pctl | 1,558 / 1,759 | n/a | |
| Loans / Assets | 37.90% | 47.85% | 62.48% | 73.19% | 13th pctl | 1,535 / 1,761 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |