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
Call Report peers
Jefferson County Teachers in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Jefferson County Teachers sits in 70-74 with 317 others.
73 21st percentile higher than 21% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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).
- One place up in Florida, Okaloosa County Teachers (#95) scores 74/100, 1 point higher; one place down, Shaw-Ross Employees (#97) scores 72/100, 1 point lower.
Jefferson County Teachers: 2025Q4 → 2026Q1
Jefferson County Teachers: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +5.1% from $15.3M (2025Q4) to $16.1M (2026Q1).
- Net-worth ratio shifted -0.52 pp (14.62% → 14.10%).
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
Jefferson County Teachers gives up 27 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is Jefferson County Teachers financially healthy?
On its 2025Q4 NCUA 5300 filing, Jefferson County Teachers scores 73/100 (Very Good), with a 14.10% net worth ratio and 4.73% of loans delinquent. It ranks #3,401 of 4,374 nationally on health and #96 of 109 in Florida.
How does Jefferson County Teachers compare to other credit unions?
Jefferson County Teachers scores 73/100, higher than 21% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (83.37% vs 59.80%). Its widest shortfall is delinquency rate (4.73% vs 1.15%).
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?
Jefferson County Teachers is a state-chartered credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.