Side-by-side · Q2 2026 data
Loyalty 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 | Loyalty Credit Union | Jefferson County Teachers Credit Union |
|---|---|---|
| TellerScore | 75 | 75 |
| Capital cushion | 66 | 89 (stronger) |
| Loan quality | 78 (stronger) | 72 |
| Earnings | 59 (stronger) | 40 |
| Funding & liquidity | 97 (stronger) | 85 |
| Problem-loan coverage | 94 (stronger) | 92 |
| Peer percentile | 66th | 52nd |
| Total assets | $300.3M | $16.4M |
| Deposits / shares | $263.8M | $14.1M |
| Capital ratio | 11.61% | 13.91% (stronger) |
| Problem loans | 0.66% (stronger) | 0.85% |
| Net charge-offs | 0.88% (stronger) | 3.17% |
| Return on assets | 0.98% (stronger) | 0.50% |
| Loans ÷ deposits | 63.4% (stronger) | 74.9% |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 7 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.7% | — |
Both have the same TellerScore. On the 5 directional measures above (where higher or lower is clearly better), Loyalty Credit Union leads on 4 and Jefferson County Teachers Credit Union on 1. 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.