Side-by-side · Q2 2026 data
Locality Bank vs Jm Associates Federal Credit Union
Credit union
Jm Associates Federal Credit Union
Jacksonville, Florida · $100 million – $1 billion
Metric by metric
| Measure | Locality Bank | Jm Associates Federal Credit Union |
|---|---|---|
| TellerScore | 55 | 87 (stronger) |
| Capital cushion | 79 | 100 (stronger) |
| Loan quality | 48 | 76 (stronger) |
| Earnings | 32 | 80 (stronger) |
| Funding & liquidity | 31 | 83 (stronger) |
| Problem-loan coverage | 82 | 94 (stronger) |
| Peer percentile | 11th | 91st |
| Total assets | $396.2M | $151.2M |
| Deposits / shares | $346.0M | $130.8M |
| Capital ratio | 12.91% | 15.46% (stronger) |
| Problem loans | 1.55% | 0.71% (stronger) |
| Net charge-offs | 0.13% (stronger) | 0.81% |
| Return on assets | 0.29% | 1.49% (stronger) |
| Loans ÷ deposits | 89.1% | 77.0% (stronger) |
| Uninsured deposits | 51.3% | 8.4% (stronger) |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Jm Associates Federal Credit Union has the higher TellerScore (87 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Locality Bank leads on 1 and Jm Associates Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.