JACKSON COUNTY 1ST
Charter #67334 · MARIANNA, FL · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 18.08% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 88.61% sits at the 82nd percentile of structural peers — worth a closer look.
- On Net interest margin, the asset-size band puts this credit union at the 34th percentile but its structural peers at the 62nd — a 28-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 COUNTY 1ST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $48.48M | 98th pct | 79th pct |
| Members | 2,768 | 70th pct | 64th pct |
| Net worth ratio | 18.08% | 77th pct | 80th pct |
| Return on average assets | 0.49% | 41th pct | 28th pct |
| Net interest margin | 3.51% | 34th pct | 62th pct |
| Cost of funds | 0.00% | 1th pct | 0th pct |
| Loan-to-share | 47.29% | 32th pct | 38th pct |
| Delinquency 60+ days | 0.09% | 20th pct | 30th pct |
| Net charge-off ratio | 0.07% | 44th pct | 56th pct |
| Loan growth YoY | 3.04% | 87th pct | 80th pct |
| Share growth YoY | 5.83% | 79th pct | 79th pct |
| Efficiency ratio | 88.61% | 71th pct | 82th pct |
structural peer set hash: 3170dacc1b2d0ba236e25194f654f9c8… (reproducible)
Closest structural peers
This is the free public view
Claim JACKSON COUNTY 1ST
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.