NATIONAL J. A. C. L.
Charter #67005 · Salt Lake City, UT · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.53% sits at the 20th percentile of structural peers — worth a closer look.
- Return on average assets of -0.11% sits at the 10th percentile of structural peers — worth a closer look.
- Net interest margin of 2.62% sits at the 2nd percentile of structural peers — worth a closer look.
- Cost of funds of 0.05% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.29% sits at the 79th 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 | NATIONAL J. A. C. L. | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $39.23M | 81th pct | 51th pct |
| Members | 3,088 | 78th pct | 57th pct |
| Net worth ratio | 9.53% | 14th pct | 20th pct |
| Return on average assets | -0.11% | 15th pct | 10th pct |
| Net interest margin | 2.62% | 8th pct | 2th pct |
| Cost of funds | 0.05% | 4th pct | 5th pct |
| Loan-to-share | 56.88% | 49th pct | 49th pct |
| Delinquency 60+ days | 1.29% | 74th pct | 79th pct |
| Net charge-off ratio | 0.15% | 52th pct | 44th pct |
| Loan growth YoY | -5.91% | 24th pct | 13th pct |
| Share growth YoY | 1.98% | 44th pct | 41th pct |
| Efficiency ratio | 99.43% | 88th pct | 90th pct |
structural peer set hash: 6c039c15b5901c483eff767210c2059b… (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.