Federal credit union · Jacksonville, Florida · NCUA charter #23709
Jm Associates
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $148.0M
- Total assets
- 8,839
- Members
- 14.5%
- Net-worth ratio
Jm Associates scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $148.0M; members 8,839; net-worth ratio 14.54%; health rank #1,071 of 4,374; healthier than 73rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,071 of 4,374 health · 2025Q4Jm Associates · health 90/100 · $148.0M · 2025Q4
Call Report peers
Jm Associates in the assets neighbourhood
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Jm Associates vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Jm Associates sits in 90-94 with 747 others.
90 Top 27% higher than 73% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Jm Associates: Call Report deltas vs peers
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +5.40 pp (77.60% vs 72.20%).
- Widest shortfall vs peers is Return on Assets: -0.41 pp (0.21% vs 0.62%).
Jm Associates: in-state Call Report ranks
- Florida health ordinal: #41 of 109.
- Assets rank #62 of 109 inside Florida ($148.0M reported).
- Florida membership ordinal: #66 of 109.
- One place up in Florida, Addition Financial (#40) scores 91/100, 1 point higher; one place down, Baptist Health South Florida (#42) ties at 90/100.
How Jm Associates's 5300 filing moved
Jm Associates: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.1% from $148.0M (2025Q4) to $152.6M (2026Q1).
- Net-worth ratio shifted -0.49 pp (15.03% → 14.54%).
At 14.54%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 90/100 score is built
Jm Associates gives up 10 points in total. Return on Assets costs the most, 4.4 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.3 pts
- Return on Assets 10.6 pts
- Member Growth 12.6 pts
- Loan-to-Share Ratio 14.5 pts
Call Report ratios for Jm Associates
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.54% | +2.43 pp |
| Delinquency Rate | 0.77% | -0.12 pp |
| Return on Assets | 0.21% | -0.41 pp |
| Member Growth | 2.99% | - |
| Loan-to-Share Ratio | 77.60% | +5.40 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - Jm Associates
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $152.6M | - |
| 2025Q4 | $148.0M | 8,839 |
| 2024Q4 | $151.2M | 8,582 |
| 2023Q4 | $162.0M | 8,465 |
Credit Union Details
- Charter Number
- 23709
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Florida
- City
- Jacksonville
- Data Quarter
- 2025Q4
Branch Locations (5)
The NCUA branch filing lists 5 physical offices for Jm Associates, spread across 4 cities in 3 states.
| Office | City |
|---|---|
| Westlake (Main Office) | Jacksonville, FL |
| Deerfield | Deerfield Beach, FL |
| St. Louis | Earth City, MO |
| Port | Jacksonville, FL |
| Mobile | Mobile, AL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Florida
Other federally-insured credit unions in Florida, closest first by peer group and asset size.
Other-state peers near Jm Associates
Using this data
- Jm Associates ranks #1,071 of 4,374 nationally on financial health and #41 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- First Choice is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with First Choice
Frequently Asked Questions
Is Jm Associates financially healthy?
Jm Associates has a financial health score of 90/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,071 of 4,374 nationally on health and #41 of 109 in Florida. Its net worth ratio is 14.54% and its delinquency rate 0.77%.
How does Jm Associates compare to other credit unions?
Jm Associates scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (77.60% vs 72.20%). Its widest shortfall is return on assets (0.21% vs 0.62%).
How can I join Jm Associates?
Jm Associates operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Jm Associates directly for the exact boundaries and application steps.
Is my money safe at Jm Associates?
Jm Associates is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Jm Associates's net worth ratio of 14.54% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.