BlastPoint's Credit Union Scorecard
JEFFERSON COUNTY TEACHERS
Charter #67341 · FL
JEFFERSON COUNTY TEACHERS has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.08% above tier average
- + Deposit Growth Rate: Top 6.9% in tier
- + Asset Growth Rate: Top 7.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.99% below tier average
- - Share Certificate Concentration (%): Bottom 2.9% in tier
- - Net Charge-Off Rate: Bottom 3.4% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,358
+2.0% YoY+0.3% QoQ
|
-1.2K |
2,585
-1.7% YoY
|
74,629
+8.2% YoY
|
34,678
+6.6% YoY
|
37% |
| Assets |
$16.4M
+9.6% YoY+1.8% QoQ
|
$-13.9M |
$30.3M
+1.5% YoY
|
$1.2B
+11.8% YoY
|
$593.1M
+10.2% YoY
|
43% |
| Loans |
$10.5M
-3.8% YoY-2.5% QoQ
|
$-4.9M |
$15.5M
-1.7% YoY
|
$865.0M
+13.2% YoY
|
$418.6M
+10.1% YoY
|
53% |
| Deposits |
$14.1M
+11.0% YoY+2.2% QoQ
|
$-11.7M |
$25.8M
+1.1% YoY
|
$1.0B
+12.3% YoY
|
$504.8M
+10.3% YoY
|
43% |
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| ROA |
0.5%
-40.5% YoY-32.9% QoQ
|
-1.0% |
1.5%
+241.5% YoY
|
0.7%
+7.2% YoY
|
1.2%
+121.4% YoY
|
31% |
| NIM |
4.0%
-5.5% YoY-1.1% QoQ
|
+0.1% |
3.9%
+0.9% YoY
|
3.6%
+3.4% YoY
|
3.8%
+2.3% YoY
|
55% |
| Efficiency Ratio |
64.7%
-9.3% YoY+3.0% QoQ
|
-24.1% |
88.8%
-6.9% YoY
|
79.7%
+3.1% YoY
|
83.0%
-5.3% YoY
|
17% |
| Delinquency Rate |
0.8%
-85.3% YoY-63.5% QoQ
|
-0.7 |
1.5%
+2.1% YoY
|
0.7%
+5.6% YoY
|
1.3%
+2.6% YoY
|
55% |
| Loan To Share |
74.9%
-13.3% YoY-4.5% QoQ
|
+16.0% |
58.9%
-3.1% YoY
|
70.8%
+0.7% YoY
|
66.4%
-1.4% YoY
|
74% |
| AMR |
$18,118
+2.1% YoY-0.2% QoQ
|
+$3K |
$14,963
-6.8% YoY
|
$23,115
+4.1% YoY
|
$20,028
-0.9% YoY
|
70% |
| CD Concentration |
53.3%
+12.5% YoY+1.0% QoQ
|
+28.7% | 24.6% | 24.7% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 10.8% | 7.7% | 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)