J.C.T.
Charter #20581 · Edna, TX · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 600 sits at the 15th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 3rd percentile but its structural peers at the 36th — a 33-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 | J.C.T. | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $10.69M | 3th pct | 36th pct |
| Members | 600 | 1th pct | 15th pct |
| Net worth ratio | 11.78% | 34th pct | 31th pct |
| Return on average assets | 0.44% | 38th pct | 44th pct |
| Net interest margin | 3.21% | 23th pct | 31th pct |
| Cost of funds | 1.17% | 66th pct | 67th pct |
| Loan-to-share | 46.00% | 30th pct | 41th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 23th pct | 23th pct |
| Loan growth YoY | -4.55% | 33th pct | 56th pct |
| Share growth YoY | -0.29% | 24th pct | 36th pct |
| Efficiency ratio | 86.79% | 66th pct | 64th pct |
structural peer set hash: f29421c688774d15dcbbd0d5f6d7f779… (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.