JM ASSOCIATES
Charter #23709 · Jacksonville, FL · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 8,801 sits at the 15th percentile of structural peers — worth a closer look.
- Net worth ratio of 14.54% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -0.16% sits at the 2nd percentile of structural peers — worth a closer look.
- Cost of funds of 1.63% sits at the 87th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.85% sits at the 85th percentile of structural peers — worth a closer look.
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 | JM ASSOCIATES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $152.62M | 32th pct | 26th pct |
| Members | 8,801 | 23th pct | 15th pct |
| Net worth ratio | 14.54% | 83th pct | 87th pct |
| Return on average assets | -0.16% | 5th pct | 2th pct |
| Net interest margin | 4.13% | 78th pct | 66th pct |
| Cost of funds | 1.63% | 74th pct | 87th pct |
| Loan-to-share | 76.12% | 58th pct | 51th pct |
| Delinquency 60+ days | 0.76% | 62th pct | 61th pct |
| Net charge-off ratio | 0.85% | 85th pct | 85th pct |
| Loan growth YoY | 2.18% | 68th pct | 61th pct |
| Share growth YoY | 6.58% | 85th pct | 92th pct |
| Efficiency ratio | 94.26% | 93th pct | 92th pct |
structural peer set hash: c91918b6153c8a6722d06de845130949… (reproducible)
Closest structural peers
This is the free public view
Claim JM ASSOCIATES
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.