J C FEDERAL EMPLOYEES
Charter #67691 · Jefferson City, MO · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 5.39% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 3.68% sits at the 89th percentile of structural peers — worth a closer look.
- Efficiency ratio of 97.32% sits at the 77th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 80th 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 | J C FEDERAL EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.74M | 38th pct | 26th pct |
| Members | 590 | 50th pct | 30th pct |
| Net worth ratio | 24.72% | 75th pct | 70th pct |
| Return on average assets | 0.08% | 36th pct | 30th pct |
| Net interest margin | 5.39% | 84th pct | 75th pct |
| Cost of funds | 0.42% | 45th pct | 30th pct |
| Loan-to-share | 82.47% | 80th pct | 46th pct |
| Delinquency 60+ days | 3.68% | 82th pct | 89th pct |
| Net charge-off ratio | 0.23% | 78th pct | 74th pct |
| Loan growth YoY | -16.19% | 11th pct | 2th pct |
| Share growth YoY | 5.39% | 82th pct | 79th pct |
| Efficiency ratio | 97.32% | 69th pct | 77th pct |
structural peer set hash: c208af042377f066832d884702edf5b4… (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.