JACOM
Charter #63589 · los angeles, CA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 7,757 ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -0.30% sits at the 5th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.06% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 108.77% sits at the 97th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 12th percentile but its structural peers at the 46th — a 34-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 | JACOM | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $54.87M | 12th pct | 46th pct |
| Members | 7,757 | 85th pct | 89th pct |
| Net worth ratio | 16.34% | 78th pct | 70th pct |
| Return on average assets | -0.30% | 8th pct | 5th pct |
| Net interest margin | 2.97% | 16th pct | 41th pct |
| Cost of funds | 0.81% | 43th pct | 34th pct |
| Loan-to-share | 45.21% | 22th pct | 34th pct |
| Delinquency 60+ days | 0.06% | 7th pct | 21th pct |
| Net charge-off ratio | 0.01% | 19th pct | 38th pct |
| Loan growth YoY | 22.54% | 100th pct | 98th pct |
| Share growth YoY | -0.82% | 11th pct | 13th pct |
| Efficiency ratio | 108.77% | 98th pct | 97th pct |
structural peer set hash: 6957cedbf11fa42122addb64a4a607a6… (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.