Jovia Financial
Westbury, NY · Charter 2760 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 21 branches
Q2 2026
$4.6BAssets
$3.7BLoans
$4.1BShares
$446.7MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 76% of credit unions $1B-$10B in assets (rank 107 of 435).
- Widest gap: nonperforming loans / loans trails 83% of credit unions $1B-$10B in assets (rank 363 of 435).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.74%
Rank 251 of 435
Net Interest Margin
3.05%
Rank 319 of 435
Efficiency Ratio
65.06%
Rank 107 of 435
Equity / Assets
9.79%
Rank 330 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.74% | 0.55% | 0.81% | 1.14% | Beats 42% | 251 / 435 | |
| Return on Equity | 7.59% | 5.12% | 7.41% | 9.70% | Beats 51% | 211 / 435 | |
| Net Interest Margin | 3.05% | 3.01% | 3.39% | 3.75% | Beats 27% | 319 / 435 | |
| Efficiency Ratio | 65.06% | 65.25% | 71.39% | 77.86% | Beats 76% | 107 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.28% | 0.45% | 0.69% | 1.05% | Beats 17% | 363 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.79% | 9.81% | 10.84% | 12.63% | Beats 24% | 330 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.79% | 9.81% | 10.84% | 12.63% | Beats 24% | 330 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 88.75% | 78.33% | 88.38% | 95.61% | 51st pctl | 212 / 435 | |
| Loans / Assets | 80.36% | 67.69% | 74.58% | 80.80% | 72nd pctl | 121 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |