Side-by-side · Q2 2026 data
Jefferson County Teachers Credit Union vs Calhoun Liberty Credit Union
Credit union
Jefferson County Teachers Credit Union
Monticello, Florida · Under $100 million in assets
Metric by metric
| Measure | Jefferson County Teachers Credit Union | Calhoun Liberty Credit Union |
|---|---|---|
| TellerScore | 75 (stronger) | 74 |
| Capital cushion | 89 (stronger) | 57 |
| Loan quality | 72 | 100 (stronger) |
| Earnings | 40 | 57 (stronger) |
| Funding & liquidity | 85 (stronger) | 74 |
| Problem-loan coverage | 92 | 96 (stronger) |
| Peer percentile | 52nd | 63rd |
| Total assets | $16.4M | $179.8M |
| Deposits / shares | $14.1M | $151.4M |
| Capital ratio | 13.91% (stronger) | 10.66% |
| Problem loans | 0.85% | 0.01% (stronger) |
| Net charge-offs | 3.17% | 0.13% (stronger) |
| Return on assets | 0.50% | 0.92% (stronger) |
| Loans ÷ deposits | 74.9% (stronger) | 85.9% |
| Uninsured deposits | 0.0% (stronger) | 4.6% |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.8% |
Jefferson County Teachers Credit Union has the higher TellerScore (75 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Jefferson County Teachers Credit Union leads on 4 and Calhoun Liberty 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.