BlastPoint's Credit Union Scorecard

JEFFERSON COUNTY TEACHERS

Charter #67341 · FL

<100M

2508 CUs in <100M nationally 35 in FL

JEFFERSON COUNTY TEACHERS has 1 strength but faces 2 concerns

National Analysis

How does the industry compare?

FL Analysis

How does FL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.60% above tier average

Key Concerns

Areas that may need attention

- Delinquency rate 0.82% above tier average
- Share Certificate Concentration (%): Bottom 2.9% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Members	1,354 +2.6% YoY+0.9% QoQ	-1.3K	2,676 +1.6% YoY	74,034 +8.9% YoY	33,913 +5.7% YoY	37%
Assets	$16.1M +6.6% YoY+5.1% QoQ	$-14.1M	$30.2M +1.3% YoY	$1.2B +11.7% YoY	$578.3M +9.0% YoY	42%
Loans	$10.8M +0.4% YoY-0.5% QoQ	$-4.5M	$15.3M -2.0% YoY	$841.5M +13.6% YoY	$402.4M +8.7% YoY	54%
Deposits	$13.8M +6.9% YoY+5.8% QoQ	$-12.0M	$25.8M +0.7% YoY	$1.0B +12.4% YoY	$494.3M +9.1% YoY	43%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.7% -13.3% YoY-13.7% QoQ	+0.6%	0.1% -77.6% YoY	0.6% -11.7% YoY	0.4% -39.2% YoY	57%
NIM	4.0% -0.7% YoY-1.2% QoQ	+0.0%	4.0% +4.0% YoY	3.6% +2.7% YoY	3.8% +4.1% YoY	59%
Efficiency Ratio	62.8% -13.1% YoY-13.0% QoQ	-27.9%	90.6% +6.5% YoY	80.0% +2.7% YoY	84.6% +2.8% YoY	15%
Delinquency Rate	2.3% +6.3% YoY-50.9% QoQ	+0.8	1.5% +3.8% YoY	0.6% +6.2% YoY	1.2% +3.4% YoY	84%
Loan To Share	78.4% -6.0% YoY-6.0% QoQ	+19.9%	58.5% -3.0% YoY	70.1% +1.4% YoY	65.6% -1.4% YoY	80%
AMR	$18,147 +1.3% YoY+2.0% QoQ	+$3K	$14,884 -1.7% YoY	$23,044 +4.5% YoY	$19,920 +1.6% YoY	70%
CD Concentration	52.7% +12.7% YoY+5.2% QoQ	+28.5%	24.3%	24.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	10.8%	7.7%	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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (9 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

337

Member Growth Rate

growth

Value: 2.58%

Peer Median: -1.37%

#337 of 2508 Top 13.4% in <100M tier

387

Efficiency Ratio

profitability

Value: 62.78%

Peer Median: 81.45%

#387 of 2508 Top 15.4% in <100M tier

399

Deposit Growth Rate

growth

Value: 6.89%

Peer Median: 0.66%

#399 of 2508 Top 15.9% in <100M tier

410

Asset Growth Rate

growth

Value: 6.65%

Peer Median: 1.30%

#410 of 2508 Top 16.3% in <100M tier

449

Loan-to-Member Ratio (LMR)

engagement

Value: $7,975

Peer Median: $4,923

#449 of 2508 Top 17.9% in <100M tier

500

Loan-to-Share Ratio

balance_sheet

Value: 78.40%

Peer Median: 58.72%

#500 of 2508 Top 19.9% in <100M tier

511

Members Per Employee (MPE)

engagement

Value: 451.333

Peer Median: 333.750

#511 of 2508 Top 20.3% in <100M tier

Top Weaknesses (3 metrics)

2437

Share Certificate Concentration (%)

balance_sheet

Value: 52.73%

Peer Median: 12.45%

#2437 of 2508 Bottom 2.9% in <100M tier

2246

Net Charge-Off Rate

risk

Value: 1.30%

Peer Median: 0.07%

#2246 of 2508 Bottom 10.5% in <100M tier

2108

Total Delinquency Rate (60+ days)

risk

Value: 2.32%

Peer Median: 0.65%

#2108 of 2508 Bottom 16.0% in <100M tier