Joy Employees
Bluefield, WV · Charter 19158 · Peer group: credit unions under $1B in assets (n=1,754-1,761)
NCUA · 1 branch
Q3 2024
$450KAssets
$351KLoans
$247KShares
$202KNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 99% of credit unions under $1B in assets (rank 15 of 1761).
- Widest gap: return on assets trails 100% of credit unions under $1B in assets (rank 1759 of 1761).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
-19.85%
Rank 1,759 of 1,761
Net Interest Margin
6.52%
Rank 31 of 1,761
Efficiency Ratio
118.18%
Rank 1,698 of 1,754
Equity / Assets
44.89%
Rank 15 of 1,761
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -19.85% | 0.26% | 0.70% | 1.22% | Beats 0% | 1,759 / 1,761 | |
| Return on Equity | -44.22% | 2.09% | 5.52% | 9.08% | Beats 1% | 1,738 / 1,761 | |
| Net Interest Margin | 6.52% | 3.03% | 3.59% | 4.25% | Beats 98% | 31 / 1,761 | |
| Efficiency Ratio | 118.18% | 68.95% | 77.94% | 87.14% | Beats 3% | 1,698 / 1,754 | |
| Asset Quality |
| Nonperforming Loans / Loans | 8.26% | 0.26% | 0.65% | 1.27% | Beats 1% | 1,733 / 1,757 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 45.03% | 10.05% | 12.42% | 15.87% | Beats 99% | 15 / 1,761 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 44.89% | 10.05% | 12.42% | 15.87% | Beats 99% | 15 / 1,761 | |
| Liquidity & Funding |
| Loans / Deposits | 142.38% | 56.21% | 73.13% | 85.64% | 100th pctl | 3 / 1,759 | |
| Loans / Assets | 78.00% | 47.85% | 62.48% | 73.19% | 86th pctl | 252 / 1,761 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |