Side-by-side · Q2 2026 data
South Atlantic Federal Credit Union vs Jefferson County Teachers Credit Union
Credit union
South Atlantic Federal Credit Union
Boca Raton, Florida · Under $100 million in assets
Credit union
Jefferson County Teachers Credit Union
Monticello, Florida · Under $100 million in assets
Metric by metric
| Measure | South Atlantic Federal Credit Union | Jefferson County Teachers Credit Union |
|---|---|---|
| TellerScore | 56 | 75 (stronger) |
| Capital cushion | 41 | 89 (stronger) |
| Loan quality | 58 | 72 (stronger) |
| Earnings | 29 | 40 (stronger) |
| Funding & liquidity | 100 (stronger) | 85 |
| Problem-loan coverage | 85 | 92 (stronger) |
| Peer percentile | 16th | 52nd |
| Total assets | $17.8M | $16.4M |
| Deposits / shares | $15.9M | $14.1M |
| Capital ratio | 9.11% | 13.91% (stronger) |
| Problem loans | 1.27% | 0.85% (stronger) |
| Net charge-offs | 0.17% (stronger) | 3.17% |
| Return on assets | 0.23% | 0.50% (stronger) |
| Loans ÷ deposits | 56.6% (stronger) | 74.9% |
| Uninsured deposits | 0.7% | 0.0% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Jefferson County Teachers Credit Union has the higher TellerScore (75 vs 56). On the 7 directional measures above (where higher or lower is clearly better), South Atlantic Federal Credit Union leads on 2 and Jefferson County Teachers Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.