JEFFERSON CREDIT UNION
Charter #63834 · Hoover, AL · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 8,095 ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 10.01% sits at the 21st percentile of structural peers — worth a closer look.
- Net interest margin of 4.04% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.04% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.38% 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 | JEFFERSON CREDIT UNION | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $92.09M | 87th pct | 67th pct |
| Members | 8,095 | 88th pct | 85th pct |
| Net worth ratio | 10.01% | 21th pct | 21th pct |
| Return on average assets | 0.72% | 51th pct | 51th pct |
| Net interest margin | 4.04% | 69th pct | 77th pct |
| Cost of funds | 0.04% | 4th pct | 2th pct |
| Loan-to-share | 59.71% | 47th pct | 51th pct |
| Delinquency 60+ days | 1.38% | 83th pct | 85th pct |
| Net charge-off ratio | 0.33% | 59th pct | 62th pct |
| Loan growth YoY | -6.08% | 12th pct | 8th pct |
| Share growth YoY | -0.66% | 12th pct | 5th pct |
| Efficiency ratio | 76.14% | 40th pct | 30th pct |
structural peer set hash: 9374798cdfa7186f61bc952af311d4b6… (reproducible)
Closest structural peers
This is the free public view
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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.