Jefferson County Teachers
Monticello, FL · Charter 67341 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$16.4MAssets
$10.5MLoans
$14.1MShares
$2.3MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 83% of credit unions under $1B in assets (rank 290 of 1682).
- Widest gap: return on equity trails 68% of credit unions under $1B in assets (rank 1139 of 1681).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.50%
Rank 1,135 of 1,683
Net Interest Margin
3.95%
Rank 711 of 1,683
Efficiency Ratio
64.79%
Rank 290 of 1,682
Equity / Assets
13.91%
Rank 686 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.50% | 0.35% | 0.74% | 1.18% | Beats 33% | 1,135 / 1,683 | | |
| Return on Equity | 3.60% | 2.67% | 5.89% | 8.74% | Beats 32% | 1,139 / 1,681 | | |
| Net Interest Margin | 3.95% | 3.31% | 3.82% | 4.32% | Beats 58% | 711 / 1,683 | | |
| Efficiency Ratio | 64.79% | 68.91% | 78.20% | 86.93% | Beats 83% | 290 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.84% | 0.26% | 0.65% | 1.29% | Beats 41% | 989 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.91% | 10.44% | 12.89% | 16.53% | Beats 59% | 686 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.91% | 10.44% | 12.89% | 16.53% | Beats 59% | 686 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 74.86% | 52.61% | 69.38% | 83.50% | 60th pctl | 677 / 1,683 | | |
| Loans / Assets | 64.36% | 44.71% | 59.18% | 70.72% | 61st pctl | 648 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |