Side-by-side · Q2 2026 data
Capital City Bank vs Jefferson County Teachers Credit Union
Credit union
Jefferson County Teachers Credit Union
Monticello, Florida · Under $100 million in assets
Metric by metric
| Measure | Capital City Bank | Jefferson County Teachers Credit Union |
|---|---|---|
| TellerScore | 72 | 75 (stronger) |
| Capital cushion | 53 | 89 (stronger) |
| Loan quality | 87 (stronger) | 72 |
| Earnings | 81 (stronger) | 40 |
| Funding & liquidity | 58 | 85 (stronger) |
| Problem-loan coverage | 95 (stronger) | 92 |
| Peer percentile | 66th | 52nd |
| Total assets | $4.4B | $16.4M |
| Deposits / shares | $3.8B | $14.1M |
| Capital ratio | 10.29% | 13.91% (stronger) |
| Problem loans | 0.40% (stronger) | 0.85% |
| Net charge-offs | 0.12% (stronger) | 3.17% |
| Return on assets | 1.52% (stronger) | 0.50% |
| Loans ÷ deposits | 65.6% (stronger) | 74.9% |
| Uninsured deposits | 47.8% | 0.0% (stronger) |
| Offices | 59 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 32.0% | — |
Jefferson County Teachers Credit Union has the higher TellerScore (75 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Capital City Bank leads on 4 and Jefferson County Teachers Credit Union on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Monticello, FL