Jamestown Area Community
Jamestown, NY · Charter 3551 · Peer group: credit unions under $1B in assets in NY (n=59)
NCUA · 6 branches
Q2 2026
$85.5MAssets
$49.2MLoans
$76.0MShares
$9.4MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 97% of credit unions under $1B in assets in NY (rank 2 of 59).
- Widest gap: equity / assets trails 73% of credit unions under $1B in assets in NY (rank 43 of 59).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.58%
Rank 9 of 59
Net Interest Margin
3.85%
Rank 23 of 59
Efficiency Ratio
62.71%
Rank 13 of 59
Equity / Assets
10.98%
Rank 43 of 59
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.58% | 0.28% | 1.01% | 1.42% | Beats 85% | 9 / 59 | |
| Return on Equity | 14.41% | 2.31% | 7.92% | 10.52% | Beats 97% | 2 / 59 | |
| Net Interest Margin | 3.85% | 3.24% | 3.66% | 4.04% | Beats 61% | 23 / 59 | |
| Efficiency Ratio | 62.71% | 63.53% | 74.15% | 82.44% | Beats 80% | 13 / 59 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.02% | 0.32% | 0.68% | 1.20% | Beats 93% | 5 / 59 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.98% | 10.94% | 13.05% | 16.06% | Beats 27% | 43 / 59 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.98% | 10.94% | 13.05% | 16.06% | Beats 27% | 43 / 59 | |
| Liquidity & Funding |
| Loans / Deposits | 64.68% | 40.49% | 57.59% | 78.86% | 61st pctl | 23 / 59 | |
| Loans / Assets | 57.56% | 33.06% | 50.92% | 63.03% | 66th pctl | 20 / 59 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |