TellerScore

Jm Associates Federal Credit Union (NCUA charter #23709) is based in Jacksonville, Florida. Its Q2 2026 call report shows $151.2M in total assets and $130.8M in member shares and deposits and 5 offices across 4 states.

Jm Associates Federal Credit Union has a TellerScore of 87 out of 100 (very strong) based on Q2 2026 data — higher than 91% of its 1,341 credit unions with $100 million – $1 billion. Among 107 credit unions headquartered in Florida, it ranks 7th. Capital cushion contributes the most (100/100, 15.46%); loan quality contributes the least (76/100, 0.71%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.46%
Loan quality76/100
Loans 60+ days delinquent ÷ total loans: 0.71%
Earnings80/100
Return on assets (annualized): 1.49%
Funding & liquidity83/100
Loans ÷ shares: 77.0% · 8.4% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.06%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 5 points (82 → 87), mostly because the earnings component improved by 32 points.

TellerScore
728087Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202479
Q3 202477
Q4 202477
Q1 202576
Q2 202582
Q3 202574
Q4 202576
Q1 202672
Q2 202687
Net worth ratio
7.00%11.23%15.46%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.19%
Q3 202414.29%
Q4 202414.47%
Q1 202514.36%
Q2 202515.21%
Q3 202515.37%
Q4 202515.03%
Q1 202614.54%
Q2 202615.46%
Delinquent loans (60+ days)
0.44%0.75%1.05%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.44%
Q3 20240.50%
Q4 20240.53%
Q1 20250.45%
Q2 20250.51%
Q3 20251.05%
Q4 20250.77%
Q1 20260.76%
Q2 20260.71%
Return on assets
-0.16%0.67%1.49%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.46%
Q3 20240.38%
Q4 20240.20%
Q1 20250.01%
Q2 20250.70%
Q3 20250.28%
Q4 20250.28%
Q1 2026-0.16%
Q2 20261.49%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202687$151.2M15.46%0.71%1.49%77.0%
Q1 202672$152.6M14.54%0.76%-0.16%76.1%
Q4 202576$148.0M15.03%0.77%0.28%77.6%
Q3 202574$144.1M15.37%1.05%0.28%79.4%
Q2 202582$147.2M15.21%0.51%0.70%76.8%
Q1 202576$152.4M14.36%0.45%0.01%72.7%
Q4 202477$151.2M14.47%0.53%0.20%75.1%
Q3 202477$153.9M14.29%0.50%0.38%78.3%
Q2 202479$154.8M14.19%0.44%0.46%74.6%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio15.46%
88th
Problem loans0.71%
48th
Net charge-offs0.81%
15th
Return on assets1.49%
88th
Loans to deposits77.0%
47th
Uninsured deposits8.4%
25th
Loan-loss reserves0.00%
50th
Texas ratio3.1%
61st

Similar-size credit unions in Florida

InstitutionScoreAssetsCapitalProblem loansCompare
Tru Fi Credit UnionCredit union Macclenny, FL84 out of 100, Strong$146.4M12.6%0.60%vs
Florida West Coast Credit UnionCredit union Brandon, FL79 out of 100, Strong$144.2M12.0%0.25%vs
Hello Credit UnionCredit union Panama City, FL80 out of 100, Strong$159.9M14.3%0.32%vs
First Choice Credit UnionCredit union West Palm Beach, FL68 out of 100, Moderate$161.3M10.4%0.60%vs
Priorityone Credit Union of FloridaCredit union Sunrise, FL73 out of 100, Strong$162.2M10.9%0.56%vs
Baptist Health South Florida Federal Credit UnionCredit union Miami, FL71 out of 100, Strong$140.2M11.0%0.62%vs

Deposit insurance

Is my money safe at Jm Associates Federal Credit Union?

Yes. Jm Associates Federal Credit Union is a federally insured credit union (NCUA charter #23709). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 8.4% of shares and deposits ($11.0M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 15.46%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

Jm Associates Federal Credit Union lists 5 offices in 5 cities across 4 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Jm Associates Federal Credit Union
Type
Federal credit union
NCUA charter #
23709
RSSD ID
827690
Primary regulator
NCUA
Established
1980
Headquarters
9987 Pritchard Rd, Jacksonville, FL 32219
Employees
31

Quick answers

Jm Associates Federal Credit Union: common questions

Is Jm Associates Federal Credit Union NCUA insured?

Yes. Jm Associates Federal Credit Union is a federally insured credit union (NCUA charter #23709). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Jm Associates Federal Credit Union's TellerScore?

87 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Jm Associates Federal Credit Union have?

5 offices as of the latest NCUA data, in 4 states.