JAMESTOWN AREA COMMUNITY
Charter #3551 · Jamestown, NY · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.71% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.02% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 62.67% ranks in the 16th 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 | JAMESTOWN AREA COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $83.21M | 73th pct | 59th pct |
| Members | 6,309 | 71th pct | 61th pct |
| Net worth ratio | 10.89% | 29th pct | 31th pct |
| Return on average assets | 1.71% | 91th pct | 90th pct |
| Net interest margin | 3.92% | 62th pct | 59th pct |
| Cost of funds | 0.52% | 25th pct | 30th pct |
| Loan-to-share | 66.14% | 59th pct | 46th pct |
| Delinquency 60+ days | 0.02% | 3th pct | 3th pct |
| Net charge-off ratio | 0.02% | 20th pct | 26th pct |
| Loan growth YoY | 0.95% | 71th pct | 57th pct |
| Share growth YoY | 0.87% | 26th pct | 20th pct |
| Efficiency ratio | 62.67% | 14th pct | 16th pct |
structural peer set hash: 52dbf2dcf27f532551358fb8bce80df1… (reproducible)
Closest structural peers
This is the free public view
Claim JAMESTOWN AREA COMMUNITY
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.