Side-by-side · Q2 2026 data
22nd State Banking Company vs Jm Associates Federal Credit Union
Credit union
Jm Associates Federal Credit Union
Jacksonville, Florida · $100 million – $1 billion
Metric by metric
| Measure | 22nd State Banking Company | Jm Associates Federal Credit Union |
|---|---|---|
| TellerScore | 41 | 87 (stronger) |
| Capital cushion | 61 | 100 (stronger) |
| Loan quality | 0 | 76 (stronger) |
| Earnings | 40 | 80 (stronger) |
| Funding & liquidity | 55 | 83 (stronger) |
| Problem-loan coverage | 62 | 94 (stronger) |
| Peer percentile | 3rd | 91st |
| Total assets | $292.2M | $151.2M |
| Deposits / shares | $241.9M | $130.8M |
| Capital ratio | 11.12% | 15.46% (stronger) |
| Problem loans | 3.39% | 0.71% (stronger) |
| Net charge-offs | 4.31% | 0.81% (stronger) |
| Return on assets | 0.51% | 1.49% (stronger) |
| Loans ÷ deposits | 87.9% | 77.0% (stronger) |
| Uninsured deposits | 30.4% | 8.4% (stronger) |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Jm Associates Federal Credit Union has the higher TellerScore (87 vs 41). On the 7 directional measures above (where higher or lower is clearly better), 22nd State Banking Company leads on 0 and Jm Associates Federal Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.