JSC
Charter #14762 · Houston, TX · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.49% sits at the 25th percentile of structural peers — worth a closer look.
- Net interest margin of 3.21% sits at the 23rd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.99% sits at the 79th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 58th percentile but its structural peers at the 79th — a 20-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | JSC | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.65B | 58th pct | 79th pct |
| Members | 126,357 | 53th pct | 69th pct |
| Net worth ratio | 11.90% | 70th pct | 69th pct |
| Return on average assets | 0.49% | 29th pct | 25th pct |
| Net interest margin | 3.21% | 41th pct | 23th pct |
| Cost of funds | 1.70% | 46th pct | 64th pct |
| Loan-to-share | 76.88% | 26th pct | 34th pct |
| Delinquency 60+ days | 0.99% | 78th pct | 79th pct |
| Net charge-off ratio | 0.69% | 65th pct | 59th pct |
| Loan growth YoY | -0.07% | 26th pct | 31th pct |
| Share growth YoY | 0.13% | 6th pct | 7th pct |
| Efficiency ratio | 72.51% | 50th pct | 39th pct |
structural peer set hash: defb91b6ae010164fe8314d3e738436c… (reproducible)
Closest structural peers
This is the free public view
Claim JSC
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.