State credit union · Monticello, Florida · NCUA charter #67341
Jefferson County Teachers
Health score 73/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 73
- Health / 100
- $15.3M
- Total assets
- 1,342
- Members
- 14.1%
- Net-worth ratio
Jefferson County Teachers scores 73/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $15.3M; members 1,342; net-worth ratio 14.10%; health rank #3,401 of 4,374; healthier than 21st of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,401 of 4,374 health · 2025Q4Jefferson County Teachers · health 73/100 · $15.3M · 2025Q4
- NW 73/100
- DELQ 14.1%
- ROA 4.73%
- ASSETS 0.93%
- MEM $15.3M
- RANK 1,342
- PHOTO #3,401/4,374
- BOOK REED
- CHARTER 67341
Call Report peers
Jefferson County Teachers in the assets neighbourhood
Jefferson County Teachers's $15.3M assets sit next to REED ($15.3M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Jefferson County Teachers vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
73 21st percentile higher than 21% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Jefferson County Teachers - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #67341 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Jefferson County Teachers: Call Report deltas vs peers
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +23.57 pp (83.37% vs 59.80%).
- Largest lag: Delinquency Rate at 4.73% vs peer 1.15% (+3.59 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Jefferson County Teachers sits in Florida
- In Florida, health place is #96 of 109 on the same NCUA-ratio sort used nationally.
- By total assets, Jefferson County Teachers is #101 of 109 in Florida.
- Membership ranks #99 of 109 among Florida CUs with a reported count (1,342 members).
In-state ordinals use the live credit_unions table for FL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Jefferson County Teachers: 2025Q4 → 2026Q1
Jefferson County Teachers: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +5.1% from $15.3M (2025Q4) to $16.1M (2026Q1).
- Net-worth ratio shifted -0.52 pp (14.62% → 14.10%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 14.10%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 73/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 73.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 15.0 pts
- Member Growth 12.6 pts
- Loan-to-Share Ratio 15.4 pts
Jefferson County Teachers vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.10% | -0.76 pp |
| Delinquency Rate | 4.73% | +3.59 pp |
| Return on Assets | 0.93% | +0.23 pp |
| Member Growth | 2.99% | - |
| Loan-to-Share Ratio | 83.37% | +23.57 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $16.1M | - |
| 2025Q4 | $15.3M | 1,342 |
| 2024Q4 | $15.2M | 1,303 |
| 2023Q4 | $13.6M | 1,221 |
Credit Union Details
- Charter Number
- 67341
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Florida
- City
- Monticello
- Data Quarter
- 2025Q4
Branch Locations (2)
Jefferson County Teachers operates 2 offices across 2 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Jefferson County Teachers Credit Union (Main Office) | Monticello, FL |
| FiServ Cusa-Oncu | Flint, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Florida
More federally-insured credit unions based in Florida, ordered by peer group match and asset size.
Cross-state Call Report peers for Jefferson County Teachers
Jefferson County Teachers's nationwide photo peers by assets and by health score, excluding Florida charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($15.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (73/100 here).
Using this data
- Jefferson County Teachers ranks #3,401 of 4,374 nationally on financial health and #96 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- SOUTHERNMOST is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with SOUTHERNMOST
- Rates and health both vary by institution, not just by state -- see how Florida credit unions compare overall before assuming this one is typical. Florida state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Jefferson County Teachers financially healthy?
Yes/no aside, the number is 73/100 (Very Good) - Jefferson County Teachers's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,401 of 4,374; by total assets it ranks #3,319 of 4,374 nationally (same basis as /rankings/largest); and #101 of 109 within Florida. Above 80 reads excellent, below 50 warrants closer monitoring; a 14.10% net worth ratio and 4.73% delinquency rate are the key drivers.
How does Jefferson County Teachers compare to other credit unions?
Five weighted metrics from NCUA filings produce Jefferson County Teachers's 73/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Jefferson County Teachers?
Membership eligibility for Jefferson County Teachers depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Jefferson County Teachers directly for current membership requirements and application steps.
Is my money safe at Jefferson County Teachers?
Federal credit unions like Jefferson County Teachers are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Jefferson County Teachers's net worth ratio of 14.10% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Jefferson County Teachers offer compared to banks?
Credit unions like Jefferson County Teachers are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Jefferson County Teachers directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.