JM Associates
Jacksonville, FL · Charter 23709 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
$151.2MAssets
$100.7MLoans
$130.8MShares
$23.4MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 85% of credit unions under $1B in assets (rank 249 of 1683).
- Widest gap: nonperforming loans / loans trails 52% of credit unions under $1B in assets (rank 883 of 1682).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.49%
Rank 249 of 1,683
Net Interest Margin
4.22%
Rank 496 of 1,683
Efficiency Ratio
70.92%
Rank 494 of 1,682
Equity / Assets
15.47%
Rank 502 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.49% | 0.35% | 0.74% | 1.18% | Beats 85% | 249 / 1,683 | | |
| Return on Equity | 9.64% | 2.67% | 5.89% | 8.74% | Beats 81% | 321 / 1,681 | | |
| Net Interest Margin | 4.22% | 3.31% | 3.82% | 4.32% | Beats 71% | 496 / 1,683 | | |
| Efficiency Ratio | 70.92% | 68.91% | 78.20% | 86.93% | Beats 71% | 494 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.71% | 0.26% | 0.65% | 1.29% | Beats 48% | 883 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 15.47% | 10.44% | 12.89% | 16.53% | Beats 70% | 502 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 15.47% | 10.44% | 12.89% | 16.53% | Beats 70% | 502 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 76.99% | 52.61% | 69.38% | 83.50% | 64th pctl | 606 / 1,683 | | |
| Loans / Assets | 66.61% | 44.71% | 59.18% | 70.72% | 66th pctl | 579 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |