Side-by-side · Q2 2026 data
Hello Credit Union vs Jefferson County Teachers Credit Union
Credit union
Jefferson County Teachers Credit Union
Monticello, Florida · Under $100 million in assets
Metric by metric
| Measure | Hello Credit Union | Jefferson County Teachers Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 75 |
| Capital cushion | 94 (stronger) | 89 |
| Loan quality | 89 (stronger) | 72 |
| Earnings | 36 | 40 (stronger) |
| Funding & liquidity | 86 (stronger) | 85 |
| Problem-loan coverage | 97 (stronger) | 92 |
| Peer percentile | 78th | 52nd |
| Total assets | $159.9M | $16.4M |
| Deposits / shares | $135.2M | $14.1M |
| Capital ratio | 14.35% (stronger) | 13.91% |
| Problem loans | 0.32% (stronger) | 0.85% |
| Net charge-offs | 1.02% (stronger) | 3.17% |
| Return on assets | 0.40% | 0.50% (stronger) |
| Loans ÷ deposits | 74.1% (stronger) | 74.9% |
| Uninsured deposits | 3.8% | 0.0% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Hello Credit Union has the higher TellerScore (80 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Hello Credit Union leads on 5 and Jefferson County Teachers Credit Union on 2. 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.