JEFFERSON COMMUNITY
Charter #19319 · Madison, IN · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 10.23% sits at the 21st percentile of structural peers — worth a closer look.
- Return on average assets of 1.40% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.17% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.04% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
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 | JEFFERSON COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $18.26M | 32th pct | 51th pct |
| Members | 2,108 | 50th pct | 54th pct |
| Net worth ratio | 10.23% | 20th pct | 21th pct |
| Return on average assets | 1.40% | 83th pct | 90th pct |
| Net interest margin | 4.11% | 62th pct | 61th pct |
| Cost of funds | 0.17% | 12th pct | 11th pct |
| Loan-to-share | 71.66% | 72th pct | 66th pct |
| Delinquency 60+ days | 0.04% | 14th pct | 16th pct |
| Net charge-off ratio | 0.00% | 23th pct | 21th pct |
| Loan growth YoY | 3.23% | 88th pct | 90th pct |
| Share growth YoY | 7.88% | 91th pct | 87th pct |
| Efficiency ratio | 77.12% | 42th pct | 26th pct |
structural peer set hash: d147f18e0b9b4ad473e9e493355c9cf8… (reproducible)
Closest structural peers
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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.