BlastPoint's Credit Union Scorecard
JEFFERSON COUNTY TEACHERS
Charter #67341 · FL
2596 CUs in <100M nationally
40 in FL
JEFFERSON COUNTY TEACHERS has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.32% above tier average
- + Net Interest Margin 0.25% 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 2.79% above tier average
- - Share Certificate Concentration (%): Bottom 3.8% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,283
+2.2% YoY-3.6% QoQ
|
-1.3K |
2,625
-2.2% YoY
|
69,671
+4.3% YoY
|
33,089
+6.1% YoY
|
35% |
| Assets |
$15.3M
+3.8% YoY+2.6% QoQ
|
$-14.5M |
$29.9M
+1.1% YoY
|
$1.1B
+3.8% YoY
|
$547.7M
+7.8% YoY
|
42% |
| Loans |
$10.7M
-1.6% YoY-2.4% QoQ
|
$-5.1M |
$15.8M
-2.4% YoY
|
$773.4M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
53% |
| Deposits |
$13.1M
+3.3% YoY+3.1% QoQ
|
$-12.4M |
$25.5M
+0.4% YoY
|
$908.2M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
42% |
| ROA |
1.0%
+73.2% YoY+18.9% QoQ
|
+0.3% |
0.7%
-731.4% YoY
|
0.6%
+15.9% YoY
|
0.7%
+273.4% YoY
|
62% |
| NIM |
4.2%
+9.8% YoY-0.8% QoQ
|
+0.2% |
3.9%
+3.8% YoY
|
3.6%
+6.7% YoY
|
3.7%
+5.0% YoY
|
62% |
| Efficiency Ratio |
68.8%
+14.8% YoY-3.5% QoQ
|
-12.6% |
81.4%
-2.4% YoY
|
79.0%
+0.0% YoY
|
79.1%
-3.3% YoY
|
29% |
| Delinquency Rate |
4.3%
+31.0% YoY-25.8% QoQ
|
+2.8 |
1.5%
-2.0% YoY
|
0.7%
+3.1% YoY
|
1.2%
-0.9% YoY
|
Top 7.6% in tier |
| Loan To Share |
81.7%
-4.8% YoY-5.4% QoQ
|
+20.5% |
61.2%
-3.0% YoY
|
71.2%
+0.4% YoY
|
68.0%
-1.7% YoY
|
80% |
| AMR |
$18,521
-1.2% YoY+4.3% QoQ
|
+$4K |
$14,627
-2.7% YoY
|
$22,283
+3.7% YoY
|
$19,418
+1.3% YoY
|
73% |
| CD Concentration |
49.1%
-1.1% YoY+3.6% QoQ
|
+24.7% |
24.4%
+4.2% YoY
|
23.4%
+4.5% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
10.9%
-1.4% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
403
Member Growth Rate
growth
Value:
2.23%
Peer Avg: 14.92%
#403 of 2596
Top 15.5% in <100M tier
420
Loan-to-Member Ratio (LMR)
engagement
Value:
$8,330
Peer Avg: $5,488
#420 of 2596
Top 16.1% in <100M tier
523
Loan-to-Share Ratio
balance_sheet
Value:
81.73%
Peer Avg: 61.23%
#523 of 2596
Top 20.1% in <100M tier
631
Members Per Employee (MPE)
engagement
Value:
427.667
Peer Avg: 365.701
#631 of 2596
Top 24.3% in <100M tier
Top Weaknesses (2 metrics)
2499
Share Certificate Concentration (%)
balance_sheet
Value:
49.06%
Peer Avg: 15.37%
#2499 of 2596
Bottom 3.8% in <100M tier
2401
Total Delinquency Rate (60+ days)
risk
Value:
4.30%
Peer Avg: 1.51%
#2401 of 2596
Bottom 7.6% in <100M tier