BlastPoint's Credit Union Scorecard
JEFFERSON COUNTY TEACHERS
Charter #67341 · FL
JEFFERSON COUNTY TEACHERS has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.25% above tier average
- + Net Interest Margin 0.12% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 3.18% above tier average
- - Share Certificate Concentration (%): Bottom 3.5% in tier
- - Total Delinquency Rate (60+ days): Bottom 6.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,342
+3.0% YoY+4.6% QoQ
|
-1.3K |
2,615
-1.9% YoY
|
72,012
+7.1% YoY
|
33,374
+5.7% YoY
|
37% |
| Assets |
$15.3M
+0.8% YoY-0.2% QoQ
|
$-14.9M |
$30.1M
+2.1% YoY
|
$1.1B
+9.4% YoY
|
$561.6M
+9.7% YoY
|
41% |
| Loans |
$10.9M
+0.1% YoY+1.6% QoQ
|
$-4.9M |
$15.8M
-1.3% YoY
|
$808.5M
+10.5% YoY
|
$397.0M
+8.8% YoY
|
53% |
| Deposits |
$13.0M
+0.1% YoY-0.4% QoQ
|
$-12.7M |
$25.7M
+1.4% YoY
|
$948.9M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
42% |
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| ROA |
0.9%
-8.7% YoY-13.6% QoQ
|
+0.2% |
0.6%
+10.8% YoY
|
0.6%
+16.0% YoY
|
0.7%
+15.9% YoY
|
59% |
| NIM |
4.1%
+8.9% YoY-2.5% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.6%
+4.0% YoY
|
3.8%
+5.1% YoY
|
58% |
| Efficiency Ratio |
72.2%
+9.4% YoY+4.9% QoQ
|
-10.4% |
82.6%
-2.3% YoY
|
77.7%
-2.7% YoY
|
79.7%
-3.3% YoY
|
32% |
| Delinquency Rate |
4.7%
+26.7% YoY+10.1% QoQ
|
+3.2 |
1.6%
-3.1% YoY
|
0.7%
+7.1% YoY
|
1.3%
-2.1% YoY
|
Top 6.8% in tier |
| Loan To Share |
83.4%
-0.0% YoY+2.0% QoQ
|
+22.8% |
60.6%
-3.1% YoY
|
71.1%
+0.4% YoY
|
67.4%
-1.7% YoY
|
83% |
| AMR |
$17,787
-2.8% YoY-4.0% QoQ
|
+$3K |
$14,783
-1.4% YoY
|
$22,519
+3.6% YoY
|
$19,687
+2.0% YoY
|
69% |
| CD Concentration |
50.1%
+1.5% YoY+2.2% QoQ
|
+25.7% | 24.4% | 24.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.8% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)