Side-by-side · Q2 2026 data
Jefferson County Teachers Credit Union vs First Commerce 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 | First Commerce Credit Union |
|---|---|---|
| TellerScore | 75 (stronger) | 65 |
| Capital cushion | 89 (stronger) | 51 |
| Loan quality | 72 | 83 (stronger) |
| Earnings | 40 | 47 (stronger) |
| Funding & liquidity | 85 (stronger) | 68 |
| Problem-loan coverage | 92 | 92 |
| Peer percentile | 52nd | 41st |
| Total assets | $16.4M | $1.2B |
| Deposits / shares | $14.1M | $1.1B |
| Capital ratio | 13.91% (stronger) | 10.13% |
| Problem loans | 0.85% | 0.50% (stronger) |
| Net charge-offs | 3.17% | 0.41% (stronger) |
| Return on assets | 0.50% | 0.68% (stronger) |
| Loans ÷ deposits | 74.9% (stronger) | 92.7% |
| Uninsured deposits | 0.0% (stronger) | 9.2% |
| Offices | 2 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 28.6% |
Jefferson County Teachers Credit Union has the higher TellerScore (75 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Jefferson County Teachers Credit Union leads on 4 and First Commerce 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.