TellerScore

Jefferson County Teachers Credit Union (NCUA charter #67341) is based in Monticello, Florida. Its Q2 2026 call report shows $16.4M in total assets and $14.1M in member shares and deposits and 2 offices across 2 states.

Jefferson County Teachers Credit Union has a TellerScore of 75 out of 100 (strong) based on Q2 2026 data — higher than 52% of its 2,479 credit unions with under $100 million in assets. Among 107 credit unions headquartered in Florida, it ranks 39th. Problem-loan coverage contributes the most (92/100, 3.9%); earnings contributes the least (40/100, 0.50%).

TellerScore · Q2 2026

Scorecard

Capital cushion89/100
Net worth ratio: 13.91%
Loan quality72/100
Loans 60+ days delinquent ÷ total loans: 0.85%
Earnings40/100
Return on assets (annualized): 0.50%
Funding & liquidity85/100
Loans ÷ shares: 74.9% · 0.0% uninsured
Problem-loan coverage92/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.92%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 20 points (55 → 75), mostly because the loan quality component improved by 72 points.

TellerScore
556575Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202456
Q3 202455
Q4 202457
Q1 202565
Q2 202555
Q3 202559
Q4 202557
Q1 202663
Q2 202675
Net worth ratio
7.00%10.85%14.70%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.40%
Q3 202414.49%
Q4 202414.05%
Q1 202514.36%
Q2 202514.70%
Q3 202514.66%
Q4 202514.62%
Q1 202614.10%
Q2 202613.91%
Delinquent loans (60+ days)
0.85%3.32%5.79%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20243.46%
Q3 20243.28%
Q4 20243.74%
Q1 20252.19%
Q2 20255.79%
Q3 20254.30%
Q4 20254.73%
Q1 20262.32%
Q2 20260.85%
Return on assets
0.50%0.75%0.99%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.85%
Q3 20240.57%
Q4 20240.94%
Q1 20250.87%
Q2 20250.85%
Q3 20250.99%
Q4 20250.87%
Q1 20260.75%
Q2 20260.50%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$16.4M13.91%0.85%0.50%74.9%
Q1 202663$16.1M14.10%2.32%0.75%78.4%
Q4 202557$15.3M14.62%4.73%0.87%83.4%
Q3 202559$15.3M14.66%4.30%0.99%81.7%
Q2 202555$14.9M14.70%5.79%0.85%86.4%
Q1 202565$15.1M14.36%2.19%0.87%83.4%
Q4 202457$15.2M14.05%3.74%0.94%83.4%
Q3 202455$14.8M14.49%3.28%0.57%85.9%
Q2 202456$14.4M14.40%3.46%0.85%88.6%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio13.91%
47th
Problem loans0.85%
45th
Net charge-offs3.17%
3rd
Return on assets0.50%
42nd
Loans to deposits74.9%
26th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio3.9%
36th

Similar-size credit unions in Florida

InstitutionScoreAssetsCapitalProblem loansCompare
Southernmost Federal Credit UnionCredit union Key West, FL80 out of 100, Strong$16.1M18.8%0.00%vs
South Atlantic Federal Credit UnionCredit union Boca Raton, FL56 out of 100, Moderate$17.8M9.1%1.27%vs
Hialeah Municipal Employees Federal Credit UnionCredit union Hialeah, FL81 out of 100, Strong$14.2M22.9%0.04%vs
Metro North Federal Credit UnionCredit union Jacksonville, FL87 out of 100, Very strong$21.7M16.7%0.07%vs
Farmers Federal Credit UnionCredit union Jacksonville, FL73 out of 100, Strong$22.4M10.6%0.00%vs
Financial Educators Federal Credit UnionCredit union Daytona Beach, FL90 out of 100, Very strong$23.5M15.7%0.00%vs

Deposit insurance

Is my money safe at Jefferson County Teachers Credit Union?

Yes. Jefferson County Teachers Credit Union is a federally insured credit union (NCUA charter #67341). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 13.91%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Jefferson County Teachers Credit Union lists 2 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Jefferson County Teachers Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67341
RSSD ID
1227028
Primary regulator
State + NCUA
Established
1964
Headquarters
1500 W Washington St, Monticello, FL 32344
Employees
3

Quick answers

Jefferson County Teachers Credit Union: common questions

Is Jefferson County Teachers Credit Union NCUA insured?

Yes. Jefferson County Teachers Credit Union is a federally insured credit union (NCUA charter #67341). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Jefferson County Teachers Credit Union's TellerScore?

75 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Jefferson County Teachers Credit Union have?

2 offices as of the latest NCUA data, in 2 states.

Nearby

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