JACKSON RIVER COMMUNITY
Charter #66967 · Covington, VA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 15.34% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 2.34% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.60% sits at the 92nd percentile of structural peers — worth a closer look.
- Efficiency ratio of 53.33% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 21st percentile but its structural peers at the 75th — a 55-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 | JACKSON RIVER COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $131.94M | 21th pct | 75th pct |
| Members | 6,872 | 11th pct | 39th pct |
| Net worth ratio | 15.34% | 87th pct | 80th pct |
| Return on average assets | 2.34% | 98th pct | 95th pct |
| Net interest margin | 4.04% | 74th pct | 70th pct |
| Cost of funds | 0.84% | 31th pct | 56th pct |
| Loan-to-share | 48.62% | 11th pct | 30th pct |
| Delinquency 60+ days | 1.60% | 91th pct | 92th pct |
| Net charge-off ratio | 0.40% | 53th pct | 52th pct |
| Loan growth YoY | -0.26% | 45th pct | 64th pct |
| Share growth YoY | 6.67% | 85th pct | 82th pct |
| Efficiency ratio | 53.33% | 4th pct | 11th pct |
structural peer set hash: c05ba2136ae6b97024b6b6a85483446e… (reproducible)
Closest structural peers
This is the free public view
Claim JACKSON RIVER COMMUNITY
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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.