Jefferson Community
Madison, IN · Charter 19319 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$18.0MAssets
$11.7MLoans
$16.0MShares
$1.9MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 91% of credit unions under $1B in assets (rank 148 of 1681).
- Widest gap: equity / assets trails 72% of credit unions under $1B in assets (rank 1220 of 1683).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.27%
Rank 362 of 1,683
Net Interest Margin
4.04%
Rank 638 of 1,683
Efficiency Ratio
77.59%
Rank 809 of 1,682
Equity / Assets
10.69%
Rank 1,220 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.27% | 0.35% | 0.74% | 1.18% | Beats 78% | 362 / 1,683 | |
| Return on Equity | 11.88% | 2.67% | 5.89% | 8.74% | Beats 91% | 148 / 1,681 | |
| Net Interest Margin | 4.04% | 3.31% | 3.82% | 4.32% | Beats 62% | 638 / 1,683 | |
| Efficiency Ratio | 77.59% | 68.91% | 78.20% | 86.93% | Beats 52% | 809 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.05% | 0.26% | 0.65% | 1.29% | Beats 89% | 182 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.69% | 10.44% | 12.89% | 16.53% | Beats 28% | 1,220 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.69% | 10.44% | 12.89% | 16.53% | Beats 28% | 1,220 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 73.06% | 52.61% | 69.38% | 83.50% | 57th pctl | 725 / 1,683 | |
| Loans / Assets | 64.91% | 44.71% | 59.18% | 70.72% | 62nd pctl | 633 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |