PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Jefferson County Teachers

Monticello, FL · Charter 67341

NCUA · 1 branch

Q2 2026

$16.4MAssets
$10.5MLoans
$14.1MShares
$2.3MNet Worth

Executive Summary

  • Earnings: ROA of 0.50%, down 35 bps year over year; NIM at 3.95%.
  • Asset quality: problem loans at 0.85% of loans (-494 bps YoY).
  • Capital: net worth / assets of 13.91%, down 82 bps from a year ago.
  • Funding: loans stand at 74.86% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.50%-35 bps YoY

Net Interest Margin (quarter, annualized)

3.95%-29 bps YoY

Efficiency Ratio (quarter, annualized)

64.67%-662 bps YoY

Net Worth / Assets

13.91%-82 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.57%0.94%0.87%0.85%0.99%0.87%0.75%0.50%-35 bps
Return on Equity3.94%6.66%6.03%5.77%6.75%5.94%5.31%3.58%-218 bps
Net Interest Margin3.76%3.69%4.07%4.24%4.13%4.08%4.03%3.95%-29 bps
Efficiency Ratio59.92%65.96%72.25%71.29%68.78%72.16%62.78%64.67%-662 bps
Growth
Asset Growth (YoY)7.93%11.45%7.19%3.43%3.76%0.85%6.65%9.62%+619 bps
Loan Growth (YoY)10.04%6.41%0.75%-0.01%-1.64%0.11%0.45%-3.83%-381 bps
Share Growth (YoY)8.30%12.18%7.29%2.52%3.34%0.13%6.89%10.99%+847 bps
Asset Quality
Delinquent Loans / Loans3.28%3.74%2.19%5.79%4.30%4.73%2.32%0.85%-494 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital14.55%14.08%14.39%14.73%14.69%14.62%14.10%13.91%-82 bps
Net Worth / Assets14.55%14.08%14.39%14.73%14.69%14.62%14.10%13.91%-82 bps
Liquidity & Funding
Loans / Shares85.87%83.38%83.43%86.39%81.73%83.37%78.40%74.86%-1,153 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps